Best Loans In Nebraska, Payday, Auto Title Laws 2020 - Elite Personal Finance
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Best Loans In Nebraska, Payday, Auto Title Laws 2020

EPF Last Update: April 1, 2020

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Nebraska’s Installment Loan Act requires licensed lenders to cap APRs at 24% for loans of $1,000 or less and 21% on any excess balance. Terms are capped (excluding loans secured by mobile homes) at 145 months for loans in excess of $3,000 but less than $25,000. The minimum loan term is 6 months.

Licensed lenders can also levy a delinquency charge – after the loan is 10 days past due – of 5% of the unpaid balance and a bad check fee of $15.

Best Bad Credit Loans in Nebraska 2020

Amount

$500 – $5,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Nebraska

Not a direct lender

Amount

$100 - $2,500

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 36 Months

Licensed in Nebraska

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Nebraska

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Nebraska

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Nebraska

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Nebraska

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Nebraska

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Nebraska

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in Nebraska

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Nebraska

Not a direct lender

To learn more about bad credit loans , check out our complete guide.

Best Personal Loans for Good Credit in Nebraska 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Nebraska

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

6.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Nebraska

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Nebraska

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Nebraska

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Nebraska

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Nebraska

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

6.98% – 35.89%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Nebraska

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 -5 Years

Licensed in Nebraska

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in Nebraska

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Nebraska

Yes

For a wider selection, see our full list of recommended lenders.

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Payday Loans in Nebraska

Maximum Loan Amount: $500

Minimum Loan Term: Not specified

Maximum Loan Term: 34 days

Maximum Fee: $15 per $100 borrowed

Maximum APR: Averages 460%

Rollovers: Prohibited

Loan Limit: No limit, as long as the total amount borrowed does not exceed $500 (conditional)

Payday loans are legal in Nebraska.

The Delayed Deposit Services Licensing Act requires licensed lenders to cap payday loans at $500 and finance charges at $15 per $100 borrowed. Licensed lenders cannot extend more than two payday loans to a single borrower or offer credit if the borrower’s outstanding loans already total $500.

Terms are capped at 34 days and rollovers are prohibited. However, licensed lenders can defer payment as long as the request is made by the borrower and no additional charges are levied.

Payday Loan Laws in Nebraska by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of Nebraska.

There is no significant difference between the payday loan laws in Nebraska. If you are with bad credit, here are the laws in Nebraska by country.

CityAmount AllowedAPR AllowedStatus
Omaha$500460%Legal
Lincoln$500460%Legal
Bellevue$500460%Legal
Grand Island$500460%Legal
Kearney$500460%Legal
Fremont$500460%Legal
Hastings$500460%Legal
Norfolk$500460%Legal
North Platte$500460%Legal
Columbus$500460%Legal
Papillion$500460%Legal
La Vista$500460%Legal
Scottsbluff$500460%Legal
South Sioux City$500460%Legal
Beatrice$500460%Legal
Chalco$500460%Legal
Lexington$500460%Legal
Alliance$500460%Legal
Gering$500460%Legal
York$500460%Legal
Blair$500460%Legal
McCook$500460%Legal
Ralston$500460%Legal
Nebraska City$500460%Legal
Seward$500460%Legal
Crete$500460%Legal
Sidney$500460%Legal
Plattsmouth$500460%Legal
Schuyler$500460%Legal
Chadron$500460%Legal
Wayne$500460%Legal
Holdrege$500460%Legal
Offutt AFB$500460%Legal
Gretna$500460%Legal
Ogallala$500460%Legal
Wahoo$500460%Legal
Aurora$500460%Legal
Falls City$500460%Legal
Cozad$500460%Legal
Waverly$500460%Legal
Fairbury$500460%Legal
O’Neill$500460%Legal
Broken Bow$500460%Legal
Gothenburg$500460%Legal
West Point$500460%Legal
Auburn$500460%Legal

Best Auto Loans for Bad Credit in Nebraska 2020

Best Auto Loans for Good Credit in Nebraska 2020

FHA Loans in Nebraska

Nebraska has 93 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Adams County to a high of $833,750 for a 4-bedroom unit in Lincoln County.

CountySingle Unit Limit (lowest)Four-Plex Limit (highest)
Adams County$331,760$638,100
Antelope County$331,760$638,100
Arthur County$331,760$638,100
Banner County$331,760$638,100
Blaine County$331,760$638,100
Boone County$331,760$638,100
Box Butte County$331,760$638,100
Boyd County$331,760$638,100
Brown County$331,760$638,100
Buffalo County$331,760$638,100
Burt County$331,760$638,100
Butler County$331,760$638,100
Cass County$331,760$638,100
Cedar County$331,760$638,100
Chase County$331,760$638,100
Cherry County$331,760$638,100
Cheyenne County$331,760$638,100
Clay County$331,760$638,100
Colfax County$331,760$638,100
Cuming County$331,760$638,100
Custer County$331,760$638,100
Dakota County$331,760$638,100
Dawes County$331,760$638,100
Dawson County$331,760$638,100
Deuel County$331,760$638,100
Dixon County$331,760$638,100
Dodge County$331,760$638,100
Douglas County$331,760$638,100
Dundy County$331,760$638,100
Fillmore County$331,760$638,100
Franklin County$331,760$638,100
Frontier County$331,760$638,100
Furnas County$331,760$638,100
Gage County$331,760$638,100
Garden County$331,760$638,100
Garfield County$331,760$638,100
Gosper County$331,760$638,100
Grant County$331,760$638,100
Greeley County$331,760$638,100
Hall County$331,760$638,100
Hamilton County$331,760$638,100
Harlan County$331,760$638,100
Hayes County$331,760$638,100
Hitchcock County$331,760$638,100
Holt County$331,760$638,100
Hooker County$331,760$638,100
Howard County$331,760$638,100
Jefferson County$331,760$638,100
Johnson County$331,760$638,100
Kearney County$331,760$638,100
Keith County$331,760$638,100
Keya Paha County$331,760$638,100
Kimball County$331,760$638,100
Knox County$331,760$638,100
Lancaster County$331,760$638,100
Lincoln County$433,550$833,750
Logan County$433,550$833,750
Loup County$331,760$638,100
Madison County$331,760$638,100
Mcpherson County$433,550$833,750
Merrick County$331,760$638,100
Morrill County$331,760$638,100
Nance County$331,760$638,100
Nemaha County$331,760$638,100
Nuckolls County$331,760$638,100
Otoe County$331,760$638,100
Pawnee County$331,760$638,100
Perkins County$331,760$638,100
Phelps County$331,760$638,100
Pierce County$331,760$638,100
Platte County$331,760$638,100
Polk County$331,760$638,100
Red Willow County$331,760$638,100
Richardson County$331,760$638,100
Rock County$331,760$638,100
Saline County$331,760$638,100
Sarpy County$331,760$638,100
Saunders County$331,760$638,100
Scotts Bluff County$331,760$638,100
Seward County$331,760$638,100
Sheridan County$331,760$638,100
Sherman County$331,760$638,100
Sioux County$331,760$638,100
Stanton County$331,760$638,100
Thayer County$331,760$638,100
Thomas County$331,760$638,100
Thurston County$331,760$638,100
Valley County$331,760$638,100
Washington County$331,760$638,100
Wayne County$331,760$638,100
Webster County$331,760$638,100
Wheeler County$331,760$638,100
York County$331,760$638,100

Business Loans in Nebraska

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Nebraska

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Nebraska

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Nebraska

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Nebraska

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Nebraska

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Nebraska

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Nebraska

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Nebraska

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Nebraska

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Nebraska

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Nebraska

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Nebraska

Yes

All Licensed Credit Unions in Nebraska

NameCitySize (Millions)Members
CENTRIS FEDERAL CREDIT UNIONOmaha$459.0173114
SAC FEDERAL CREDIT UNIONBellevue$560.7568521
METRO HEALTH SERVICES FEDERAL CREDIT UNIONOmaha$189.6625482
LIBERTY FIRST CREDIT UNIONLincoln$146.3316853
SIOUXLAND FEDERAL CREDIT UNIONSouth Sioux City$144.5115919
FIRST NEBRASKA EDUCATORS AND EMPLOY CREDIT UNIONOmaha$87.3513035
MUTUAL FIRST FEDERAL CREDIT UNIONOmaha$107.6412166
NEBRASKA ENERGY FEDERAL CREDIT UNIONColumbus$242.2711594
PEOPLES CHOICE FEDERAL CREDIT UNIONLincoln$70.5011241
CREIGHTON FEDERAL CREDIT UNIONOmaha$48.1910980
WESTERN HERITAGE CREDIT UNIONAlliance$71.9110595
UNIVERSITY OF NEBRASKA FEDERAL CREDIT UNIONLincoln$76.1410109
FOUR POINTS FEDERAL CREDIT UNIONOmaha$117.938073
OMAHA FEDERAL CREDIT UNIONOmaha$69.257403
LINCONE FEDERAL CREDIT UNIONLincoln$41.867297
MEMBERSOWN CREDIT UNIONLincoln$80.787166
COLUMBUS UNITED FEDERAL CREDIT UNIONColumbus$45.347117
HASTINGS FEDERAL CREDIT UNIONHastings$19.026361
FREMONT FIRST CENTRAL FEDERAL CREDIT UNIONFremont$33.675481
OMAHA PUBLIC POWER DIST EMP FEDERAL CREDIT UNIONOmaha$31.644957
SPIRIT OF AMERICA FEDERAL CREDIT UNIONLincoln$31.464832
OMAHA POLICE FEDERAL CREDIT UNIONOmaha$56.004727
KEARNEY FEDERAL CREDIT UNIONKearney$26.274705
OMAHA DOUGLAS FEDERAL CREDIT UNIONOmaha$27.284410
U.P. CONNECTION FEDERAL CREDIT UNIONOmaha$30.264268
UNION PACIFIC STREAMLINER FEDERAL CREDIT UNIONOmaha$23.884174
ARCHER COOPERATIVE CREDIT UNIONArcher$63.274063
OMAHA FIREFIGHTERS CREDIT UNIONOmaha$46.274019
NEBRASKA STATE EMPLOYEES CREDIT UNIONLincoln$22.573974
NORTH PLATTE UNION PACIFIC EMPLOYEE CREDIT UNIONOsgood$24.503793
KELLOGG CO EMPLOYEES FEDERAL CREDIT UNIONOmaha$48.143680
NEIGHBORHOOD COMMUNITY FEDERAL CREDIT UNIONOmaha$22.753536
DALE EMPLOYEES CREDIT UNIONColumbus$24.442955
FIRST LINCOLN FEDERAL CREDIT UNIONLincoln$15.142872
LINCOLN PUBLIC SCHOOL EMPLOYEES FEDERAL CREDIT UNIONLincoln$33.912872
NORTHEAST NEBRASKA FEDERAL CREDIT UNIONNorfolk$7.552776
FAMILY FOCUS FEDERAL CREDIT UNIONOmaha$24.002732
KEARNEY EATON EMPLOYEES FEDERAL CREDIT UNIONKearney$10.682465
KRD FEDERAL CREDIT UNIONMccook$11.842344
SUGAR VALLEY FEDERAL CREDIT UNIONScottsbluff$7.782212
HEARTLAND AREA FEDERAL CREDIT UNIONOmaha$23.532107
CHADRON FEDERAL CREDIT UNIONChadron$9.491936
CONSUMERS COOPERATIVE FEDERAL CREDIT UNIONAlliance$15.791813
ELECTRICAL WORKERS NO 22 FEDERAL CREDIT UNIONOmaha$8.801710
AMERITAS EMPLOYEES CREDIT UNIONLincoln$14.921680
GALLUP FEDERAL CREDIT UNIONOmaha$13.491663
CENTRAL NEBRASKA FEDERAL CREDIT UNIONGrand Island$6.411538
BOYS TOWN FEDERAL CREDIT UNIONBoys Town$2.491501
LINCOLN S.D.A. CREDIT UNIONLincoln$14.701392
PANHANDLE COOPERATIVE FEDERAL CREDIT UNIONScottsbluff$5.351273
WOODMEN FEDERAL CREDIT UNIONOmaha$7.541132
BAKER’S FEDERAL CREDIT UNIONOmaha$6.641121
LINCOLN USDA FEDERAL CREDIT UNIONLincoln$5.521093
GREATER OMAHA FEDERAL CREDIT UNIONOmaha$8.691040
HEMINGFORD COMMUNITY FEDERAL CREDIT UNIONHemingford$6.181034
ROBERTS DAIRY EMPLOYEES FEDERAL CREDIT UNIONOmaha$9.22948
NEBRASKA RURAL ELECTRIC ASSOCIATION CREDIT UNIONLincoln$5.41938
LOCAL 265 IBEW FEDERAL CREDIT UNIONLincoln$3.35838
CONSTRUCTION INDUSTRIES CREDIT UNIONLincoln$1.45799
NAFCO NEBRASKA FEDERAL CREDIT UNIONGrand Island$3.22765
BOX BUTTE PUBLIC EMPLOYEES FEDERAL CREDIT UNIONAlliance$4.91732
LABOR DEPARTMENT CREDIT UNIONLincoln$4.09724
NEBRASKA RURAL COMMUNITY FEDERAL CREDIT UNIONMorrill$1.73596
PIONEER COMMUNITY FEDERAL CREDIT UNIONPalisade$2.74560
MEADOW GROVE FEDERAL CREDIT UNIONChurchtown$5.74545
OUR FAMILY SOCIAL CREDIT UNIONOmaha$0.51509
OMAHA BURLINGTON EMPLOYEES CREDIT UNIONOmaha$2.63446
MCPHERSON COMMUNITY FEDERAL CREDIT UNIONTryon$0.91314
H.B.E. CREDIT UNIONSeward$1.14313
GLENVIL COOPERATIVE CREDIT UNIONGlenvil$2.85306
EDDYVILLE COOPERATIVE CREDIT UNIONEddyville$1.18255

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