Hazard at a glance
- Population: a Census-estimated 59, placing it 462nd among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 59 (US Census Bureau).
- 2020 to 2023 change: stable between the 2020 base and the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 462nd by size among 527 communities (US Census Bureau).
- Size percentile: larger than about 12% of the Census places in Nebraska (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.0915, -99.0772.
- Nearest larger cities: Litchfield, NE (6 mi); Pleasanton, NE (8 mi); Ravenna, NE (10 mi); Rockville, NE (13 mi); Loup City, NE (14 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Cotesfield, NE (29 mi); Cushing, NE (39 mi); Elyria, NE (41 mi) — US Census Bureau populations.
What a personal loan costs in Hazard
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Nebraska lending rules that apply in Hazard
Read the table as the compliance picture for a lender serving Hazard: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hazard
The order below is a sensible way to approach a loan in Hazard:
- 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.