Stamford at a glance
- Population: about 156, 362nd by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 160 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 2.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: the 362nd-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 31% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: latitude 40.1312, longitude -99.5944 (US Census Bureau Gazetteer).
- Nearest larger cities: Orleans, NE (7 mi); Oxford, NE (9 mi); Alma, NE (12 mi); Beaver City, NE (12 mi); Almena, KS (18 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Long Island, KS (13 mi); Edison, NE (14 mi); Huntley, NE (17 mi) (US Census Bureau).
What a personal loan costs in Stamford
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Stamford
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Stamford
The order below is a sensible way to approach a loan in Stamford:
- 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.