Maskell at a glance
- Population: roughly 59 people; 464th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 60 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 464th largest of 527 (US Census Bureau).
- Size percentile: about 12% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 42.6904, -96.9809 in the US Census Bureau Gazetteer.
- Nearest larger cities: Newcastle, NE (6 mi); Vermillion, SD (7 mi); Wynot, NE (10 mi); Martinsburg, NE (15 mi); Elk Point, SD (15 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Obert, NE (2 mi); Sholes, NE (29 mi); Magnet, NE (30 mi), each a US Census place.
What a personal loan costs in Maskell
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Nebraska lending rules that apply in Maskell
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Maskell
A few practical steps will make the process in Maskell 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.