Orleans at a glance
- Population: about 333, 244th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 343 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 244th out of 527 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 54% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: 40.1317 latitude, -99.4551 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Alma, NE (5 mi); Oxford, NE (13 mi); Beaver City, NE (20 mi); Almena, KS (21 mi); Holdrege, NE (22 mi); US Census Bureau population estimates.
- Nearest smaller communities: Stamford, NE (7 mi); Huntley, NE (10 mi); Republican City, NE (13 mi) (Census populations).
What a personal loan costs in Orleans
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Nebraska lending rules that apply in Orleans
The table lists the Nebraska rules that apply to a loan made in Orleans, each with the regulator that published it.
| 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 Orleans
Run through this list before signing anything in Orleans:
- 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.