Moorefield at a glance
- Population: roughly 27 people; 511th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 26 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 3.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 511th in population of 527 places (US Census Bureau).
- Size percentile: roughly 3% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.6899, -100.4003.
- Nearest larger cities (within 120 miles): Curtis, NE (7 mi); Farnam, NE (10 mi); Maywood, NE (12 mi); Wellfleet, NE (18 mi); Eustis, NE (20 mi) (US Census Bureau populations).
- Nearest smaller places: Stockville, NE (11 mi); Hendley, NE (45 mi); Ragan, NE (64 mi) (US Census Bureau estimates).
What a personal loan costs in Moorefield
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Nebraska lending rules that apply in Moorefield
Each row below is a Nebraska rule with its publisher and the date it was retrieved.
| 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 Moorefield
Before you commit to a personal loan in Moorefield, 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.