Pilger at a glance
- Population: the Census estimates 242 residents, ranking 301st of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 242 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 301st by size among 527 communities (US Census Bureau).
- Size percentile: it is larger than about 43% of the places in Nebraska (US Census Bureau).
- Coordinates: 42.0075 / -97.0549, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Wisner, NE (7 mi); Stanton, NE (9 mi); Winside, NE (13 mi); Beemer, NE (14 mi); Hoskins, NE (15 mi) (US Census Bureau).
- Smaller towns nearby: Carroll, NE (20 mi); Thurston, NE (21 mi); Sholes, NE (26 mi) (US Census Bureau).
What a personal loan costs in Pilger
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Nebraska lending rules that apply in Pilger
The table carries the Nebraska rate and licensing rules that apply to consumer loans made in Pilger.
| 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 Pilger
These steps are the ones that most affect the offer you receive in Pilger:
- 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.