Potter at a glance
- Population: roughly 343 people; 241st of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 341 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: the 241st-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 54% of the Census places in Nebraska (US Census Bureau).
- Coordinates: latitude 41.2173, longitude -103.3074 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Kimball, NE (18 mi); Sidney, NE (18 mi); Bridgeport, NE (33 mi); Bayard, NE (37 mi); Pine Bluffs, WY (40 mi) (US Census Bureau populations).
- Nearest smaller places: Dix, NE (9 mi); Gurley, NE (19 mi); Peetz, CO (20 mi) (US Census Bureau estimates).
What a personal loan costs in Potter
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Nebraska lending rules that apply in Potter
The table lists the Nebraska rules that apply to a loan made in Potter, 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 Potter
The steps below are worth completing first when you borrow in Potter:
- 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.