Johnstown at a glance
- Population: about 46 residents, ranking 486th of 527 Census places in Nebraska (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 46 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: essentially flat from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: the 486th-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 8% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: latitude 42.5721, longitude -100.0563 (US Census Bureau Gazetteer).
- Nearest larger cities: Ainsworth, NE (10 mi); Wood Lake, NE (10 mi); Long Pine, NE (18 mi); Springview, NE (23 mi); Bassett, NE (26 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Burton, NE (33 mi); Brewster, NE (45 mi); Nenzel, NE (58 mi), per US Census Bureau estimates.
What a personal loan costs in Johnstown
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Johnstown
The table carries the Nebraska rate and licensing rules that apply to consumer loans made in Johnstown.
| 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 Johnstown
Before you share your details with a lender in Johnstown:
- 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.