Hyannis at a glance
- Population: roughly 150 people; 368th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 162 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 7.4% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: the 368th-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: about 30% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: 42.0005 latitude, -101.7622 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Mullen, NE (37 mi); Lewellen, NE (50 mi); Oshkosh, NE (51 mi); Alliance, NE (58 mi); Gordon, NE (60 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Arthur, NE (30 mi); Clinton, NE (60 mi); Broadwater, NE (63 mi) — US Census Bureau populations.
What a personal loan costs in Hyannis
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Nebraska lending rules that apply in Hyannis
Read the table as the compliance picture for a lender serving Hyannis: 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 Hyannis
Before you commit to a personal loan in Hyannis, work through these steps:
- 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.