Verdigre at a glance
- Population: roughly 540 people; 185th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 550 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 1.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 185th of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 65% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: 42.5972, -98.0356 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Creighton, NE (11 mi); Springfield, SD (20 mi); Bloomfield, NE (20 mi); Plainview, NE (21 mi); Wausa, NE (26 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Winnetoon, NE (7 mi); Center, NE (8 mi); Bazile Mills, NE (9 mi) (US Census Bureau).
What a personal loan costs in Verdigre
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Verdigre
Read the table as the compliance picture for a lender serving Verdigre: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Verdigre
A few practical steps will make the process in Verdigre 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.