Ithaca at a glance
- Population: a Census-estimated 158, placing it 359th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 159 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 359th largest of 527 (US Census Bureau).
- Size percentile: it exceeds roughly 32% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: 41.1593, -96.5395 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Mead, NE (5 mi); Wahoo, NE (6 mi); Ceresco, NE (9 mi); Yutan, NE (9 mi); Weston, NE (11 mi) (US Census Bureau).
- Smaller places nearby: Memphis, NE (7 mi); Colon, NE (10 mi); Malmo, NE (12 mi), per US Census Bureau estimates.
What a personal loan costs in Ithaca
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Nebraska lending rules that apply in Ithaca
The table lists the Nebraska rules that apply to a loan made in Ithaca, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ithaca
A few practical steps will make the process in Ithaca 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.