Lawrence at a glance
- Population: about 272, 280th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 273 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 0.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 280th largest of 527 (US Census Bureau).
- Size percentile: it is larger than about 47% of the places in Nebraska (US Census Bureau).
- Coordinates: latitude 40.2902, longitude -98.2597 (US Census Bureau Gazetteer).
- Nearest larger cities: Blue Hill, NE (10 mi); Nelson, NE (12 mi); Fairfield, NE (13 mi); Edgar, NE (16 mi); Clay Center, NE (20 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Deweese, NE (8 mi); Cowles, NE (13 mi); Ayr, NE (14 mi) (US Census Bureau).
What a personal loan costs in Lawrence
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Nebraska lending rules that apply in Lawrence
The table lists the Nebraska rules that apply to a loan made in Lawrence, each with the regulator that published it.
| 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 Lawrence
Here is a short checklist for comparing personal loans in Lawrence:
- 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.