Melbeta at a glance
- Population: the Census estimates 109 residents, ranking 408th of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 110 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.9% below the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 408th of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 23% of Nebraska places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.7814, -103.5176.
- Nearest larger cities within 120 miles: Minatare, NE (2 mi); Gering, NE (8 mi); Terrytown, NE (9 mi); Scottsbluff, NE (10 mi); Bayard, NE (10 mi) (US Census Bureau).
- Smaller places nearby: McGrew, NE (6 mi); Broadwater, NE (37 mi); Van Tassell, WY (68 mi), per US Census Bureau estimates.
What a personal loan costs in Melbeta
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Nebraska lending rules that apply in Melbeta
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Melbeta
Before you commit to a personal loan in Melbeta, 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.