Gothenburg at a glance
- Population: about 3,430, 44th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,486 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down roughly 1.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 44th of the state's 527 Census places (US Census Bureau).
- Size percentile: roughly 92% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: 40.9247, -100.1539 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Cozad, NE (10 mi); Lexington, NE (24 mi); North Platte, NE (34 mi); Broken Bow, NE (43 mi); Holdrege, NE (53 mi) (US Census Bureau).
- Nearest smaller towns: Brady, NE (13 mi); Farnam, NE (15 mi); Eustis, NE (19 mi) (US Census Bureau).
What a personal loan costs in Gothenburg
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Nebraska lending rules that apply in Gothenburg
Read the table as the compliance picture for a lender serving Gothenburg: 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 Gothenburg
The order below is a sensible way to approach a loan in Gothenburg:
- 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.