Manley at a glance
- Population: 175 residents, the 349th-largest of 527 places in Nebraska (US Census Bureau, Vintage 2023).
- 2020 Census base: 170 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 349th in population of 527 places (US Census Bureau).
- Size percentile: about 34% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: latitude 40.9184, longitude -96.1657 (US Census Bureau Gazetteer).
- Nearest larger cities: Weeping Water, NE (4 mi); Louisville, NE (5 mi); Murdock, NE (6 mi); Elmwood, NE (9 mi); Avoca, NE (9 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: South Bend, NE (7 mi); Nehawka, NE (11 mi); Alvo, NE (12 mi), per US Census Bureau estimates.
What a personal loan costs in Manley
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Nebraska lending rules that apply in Manley
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Manley.
| 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 Manley
Before you commit to a personal loan in Manley, 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.