Stuart at a glance
- Population: 502 people, the 196th-largest place among Nebraska's 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 487 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 3.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 196th by size among 527 communities (US Census Bureau).
- Size percentile: about 63% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.6008, -99.1405.
- Nearest larger cities: Atkinson, NE (10 mi); Bassett, NE (20 mi); O'Neill, NE (27 mi); Ainsworth, NE (37 mi); Burke, SD (41 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Newport, NE (10 mi); Emmet, NE (19 mi); Naper, NE (25 mi) (US Census Bureau).
What a personal loan costs in Stuart
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Nebraska lending rules that apply in Stuart
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Stuart.
| 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 Stuart
These steps are the ones that most affect the offer you receive in Stuart:
- 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.