Plymouth at a glance
- Population: 357, the 234th-largest community in Nebraska out of 527 (US Census Bureau, Vintage 2023).
- 2020 Census base: 362 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 1.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 234th of the state's 527 Census places (US Census Bureau).
- Size percentile: larger than about 56% of the Census places in Nebraska (US Census Bureau).
- Coordinates: 40.3025 latitude, -96.9885 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: De Witt, NE (7 mi); Wilber, NE (12 mi); Beatrice, NE (13 mi); Fairbury, NE (15 mi); Cortland, NE (20 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Swanton, NE (7 mi); Harbine, NE (8 mi); Jansen, NE (10 mi), each a US Census place.
What a personal loan costs in Plymouth
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Plymouth
The table lists the Nebraska rules that apply to a loan made in Plymouth, each with the regulator that published it.
| 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 Plymouth
These steps are the ones that most affect the offer you receive in Plymouth:
- 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.