Hubbard at a glance
- Population: 170 people, the 352nd-largest place among Nebraska's 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 160 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 6.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: the 352nd-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: about 33% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: 42.3859 / -96.5910, per the US Census Bureau Gazetteer.
- Nearest larger cities: Jackson, NE (4 mi); Homer, NE (7 mi); Dakota City, NE (9 mi); Emerson, NE (10 mi); South Sioux City, NE (10 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Waterbury, NE (9 mi); Martinsburg, NE (15 mi); Thurston, NE (16 mi) (Census populations).
What a personal loan costs in Hubbard
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Nebraska lending rules that apply in Hubbard
The table lists the Nebraska rules that apply to a loan made in Hubbard, each with the regulator that published it.
| 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 Hubbard
A few practical steps will make the process in Hubbard less costly:
- 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.