Gilead at a glance
- Population: 30 (US Census Bureau, Vintage 2023 subcounty estimate), the 508th-largest of 527 places in Nebraska.
- 2020 Census base: 31 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 3.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 508th of the state's 527 Census places (US Census Bureau).
- Size percentile: ahead of around 4% of Nebraska places in population terms (US Census Bureau).
- Coordinates: it sits at 40.1461, -97.4151 in the US Census Bureau Gazetteer.
- Nearest larger cities: Alexandria, NE (7 mi); Reynolds, NE (7 mi); Hebron, NE (9 mi); Hubbell, NE (10 mi); Belvidere, NE (11 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Hollenberg, KS (25 mi); Nora, NE (30 mi); Webber, KS (36 mi) (US Census Bureau).
What a personal loan costs in Gilead
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Nebraska lending rules that apply in Gilead
Read the table as the compliance picture for a lender serving Gilead: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Nebraska Department of Banking and Finance (NDBF) Source says: "The Nebraska Department of Banking and Finance is a state agency under the direct supervision of the Governor." | Nebraska Department of Banking and Finance as of 2026-09-16 |
| Delayed deposit services (payday) licensing administration | NDBF publishes delayed deposit services license guidelines, statutes, and a licensed-business search Source says: "Delayed Deposit Services (Payday Lenders)" | Nebraska Department of Banking and Finance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum on agreed interest (unpaid principal balance) Source says: "any rate of interest which may be agreed upon, not exceeding sixteen percent per annum on the unpaid principal balance, shall be valid" | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
| Payday lending status | Capped at 36% APR (Initiative 428, 2020); violating transactions are void Source says: "A licensee shall not impose an annual percentage rate greater than thirty-six percent in connection with a delayed deposit transaction." | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Delayed Deposit Services Licensing Act (Neb. Rev. Stat. 45-901 to 45-931) Source says: "Sections 45-901 to 45-931 shall be known and may be cited as the Delayed Deposit Services Licensing Act." | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
How to compare offers in Gilead
Here is a short checklist for comparing personal loans in Gilead:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Nebraska using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.