Tobias at a glance
- Population: 114 (US Census Bureau, Vintage 2023 subcounty estimate), the 399th-largest of 527 places in Nebraska.
- 2020 Census base: 117 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down roughly 2.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 399th by size among 527 communities (US Census Bureau).
- Size percentile: about 24% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: 40.4185, -97.3366 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Ohiowa, NE (6 mi); Milligan, NE (6 mi); Daykin, NE (7 mi); Western, NE (7 mi); Alexandria, NE (12 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Strang, NE (13 mi); Swanton, NE (14 mi); Belvidere, NE (16 mi) — US Census Bureau populations.
What a personal loan costs in Tobias
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Nebraska lending rules that apply in Tobias
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tobias
These steps are the ones that most affect the offer you receive in Tobias:
- 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.