Jackson at a glance
- Population: 202, the 326th-largest community in Nebraska out of 527 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 206 (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.9% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 326th-largest of 527 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 38% of the places in Nebraska (US Census Bureau).
- Coordinates: 42.4482 latitude, -96.5713 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): North Sioux City, SD (7 mi); Dakota City, NE (8 mi); South Sioux City, NE (8 mi); Homer, NE (10 mi); Sioux City, IA (10 mi) (US Census Bureau populations).
- Smaller places close by: Hubbard, NE (4 mi); Waterbury, NE (8 mi); Martinsburg, NE (14 mi) (US Census Bureau).
What a personal loan costs in Jackson
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Jackson
Read the table as the compliance picture for a lender serving Jackson: 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 Jackson
Here is a short checklist for comparing personal loans in Jackson:
- 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.