Wolbach at a glance
- Population: a Census-estimated 231, placing it 308th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 228 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 308th of the state's 527 Census places (US Census Bureau).
- Size percentile: about 42% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 41.4017, -98.3902 in the US Census Bureau Gazetteer.
- Nearest larger cities: Greeley Center, NE (12 mi); St. Paul, NE (13 mi); Palmer, NE (14 mi); Cedar Rapids, NE (17 mi); Scotia, NE (17 mi); US Census Bureau population estimates.
- Smaller places close by: Cushing, NE (7 mi); Elba, NE (12 mi); Cotesfield, NE (13 mi) (US Census Bureau).
What a personal loan costs in Wolbach
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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 Wolbach
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Wolbach.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wolbach
Before you commit to a personal loan in Wolbach, work through these steps:
- 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.