Humphrey at a glance
- Population: 854 residents, the 128th-largest of 527 places in Nebraska (US Census Bureau, Vintage 2023).
- 2020 Census base: 859 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.6% below the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 128th by size among 527 communities (US Census Bureau).
- Size percentile: roughly 76% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: latitude 41.6885, longitude -97.4851 (US Census Bureau Gazetteer).
- Nearest larger cities: Madison, NE (10 mi); Columbus, NE (19 mi); Genoa, NE (21 mi); Battle Creek, NE (22 mi); Stanton, NE (23 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Cornlea, NE (4 mi); Tarnov, NE (5 mi); Creston, NE (6 mi) (US Census Bureau).
What a personal loan costs in Humphrey
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Humphrey
The table lists the Nebraska rules that apply to a loan made in Humphrey, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Humphrey
The steps below are worth completing first when you borrow in Humphrey:
- 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.