Stapleton at a glance
- Population: about 246 residents, ranking 299th of 527 Census places in Nebraska (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 269 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 8.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 299th of the state's 527 Census places (US Census Bureau).
- Size percentile: about 43% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.4802, -100.5126.
- Nearest larger cities (120-mile radius): Arnold, NE (17 mi); North Platte, NE (27 mi); Maxwell, NE (28 mi); Brady, NE (33 mi); Callaway, NE (33 mi) (US Census Bureau).
- Smaller towns nearby: Gandy, NE (3 mi); Halsey, NE (32 mi); Dunning, NE (32 mi) (US Census Bureau).
What a personal loan costs in Stapleton
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Nebraska lending rules that apply in Stapleton
Each row below is a Nebraska rule with its publisher and the date it was retrieved.
| 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 Stapleton
A few practical steps will make the process in Stapleton less costly:
- 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.