Oconto at a glance
- Population: 140 people, the 374th-largest place among Nebraska's 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 140 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly unchanged from the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 374th in population of 527 places (US Census Bureau).
- Size percentile: roughly 29% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: 41.1417, -99.7619 (US Census Bureau Gazetteer).
- Nearest larger cities: Callaway, NE (13 mi); Sumner, NE (19 mi); Broken Bow, NE (19 mi); Ansley, NE (22 mi); Cozad, NE (23 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Eddyville, NE (11 mi); Berwyn, NE (20 mi); Miller, NE (24 mi) (US Census Bureau estimates).
What a personal loan costs in Oconto
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Nebraska lending rules that apply in Oconto
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Oconto.
| 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 Oconto
These steps are the ones that most affect the offer you receive in Oconto:
- 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.