Stanton at a glance
- Population: a Census-estimated 1,526, placing it 71st among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,527 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 0.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 71st of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 87% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: 41.9480, -97.2123 (US Census Bureau Gazetteer).
- Nearest larger cities: Norfolk, NE (12 mi); Madison, NE (15 mi); Wayne, NE (23 mi); Pierce, NE (24 mi); West Point, NE (27 mi); US Census Bureau population estimates.
- Smaller towns nearby: Pilger, NE (9 mi); Hoskins, NE (12 mi); Wisner, NE (16 mi) (US Census Bureau).
What a personal loan costs in Stanton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Stanton
Each row below is a Nebraska rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Stanton
These steps are the ones that most affect the offer you receive in Stanton:
- 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.