Venango at a glance
- Population: about 153 residents, ranking 365th of 527 Census places in Nebraska (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 156 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 1.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 365th out of 527 Census places (US Census Bureau).
- Size percentile: ahead of around 31% of Nebraska places in population terms (US Census Bureau).
- Coordinates: 40.7637 / -102.0442, per the US Census Bureau Gazetteer.
- Nearest larger cities: Grant, NE (18 mi); Holyoke, CO (18 mi); Julesburg, CO (19 mi); Big Springs, NE (21 mi); Ovid, CO (23 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Lamar, NE (14 mi); Paoli, CO (25 mi); Elsie, NE (35 mi) — US Census Bureau populations.
What a personal loan costs in Venango
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Nebraska lending rules that apply in Venango
The table lists the Nebraska rules that apply to a loan made in Venango, each with the regulator that published it.
| 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 Venango
Here is a short checklist for comparing personal loans in Venango:
- 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.