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Best Loans in Nebraska, Payday, Auto Title Laws of January 2025

Elite Personal Finance
Last Update: December 1, 2024 • Loans By State •
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Nebraska’s Installment Loan Act requires licensed lenders to cap APRs at 24% for loans of up to $1,000 or 21% on any excess balance. Terms are capped (excluding loans secured by mobile homes) at 145 months for loans over $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 of January 2025

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in Nebraska:

Yes
Get started
Apply Now
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
Get started

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

Best Personal Loans for Good Credit in Nebraska of January 2025

Apply Now
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
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in Nebraska:

Yes
Get started
Apply Now
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
Get started
Apply Now
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
Get started
Apply Now
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
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in Nebraska:

Yes
Get started
Apply Now
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
Get started
Apply Now
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
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in Nebraska:

Yes
Get started

Payday Loan Laws in Nebraska of January 2025

Maximum Loan Amount: $500

Minimum Loan Term: Not specified

Maximum Loan Term: 34 days

Maximum Fee: $15 per $100 borrowed

Maximum APR: 36%

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 if the borrower makes the request and levies no additional charges.

Payday Loan Laws in Nebraska by Country of January 2025

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.

City: Amount Allowed: APR Allowed: Status:
Omaha $500 36% Legal
Lincoln $500 36% Legal
Bellevue $500 36% Legal
Grand Island $500 36% Legal
Kearney $500 36% Legal
Fremont $500 36% Legal
Hastings $500 36% Legal
Norfolk $500 36% Legal
North Platte $500 36% Legal
Columbus $500 36% Legal
Papillion $500 36% Legal
La Vista $500 36% Legal
Scottsbluff $500 36% Legal
South Sioux City $500 36% Legal
Beatrice $500 36% Legal
Chalco $500 36% Legal
Lexington $500 36% Legal
Alliance $500 36% Legal
Gering $500 36% Legal
York $500 36% Legal
Blair $500 36% Legal
McCook $500 36% Legal
Ralston $500 36% Legal
Nebraska City $500 36% Legal
Seward $500 36% Legal
Crete $500 36% Legal
Sidney $500 36% Legal
Plattsmouth $500 36% Legal
Schuyler $500 36% Legal
Chadron $500 36% Legal
Wayne $500 36% Legal
Holdrege $500 36% Legal
Offutt AFB $500 36% Legal
Gretna $500 36% Legal
Ogallala $500 36% Legal
Wahoo $500 36% Legal
Aurora $500 36% Legal
Falls City $500 36% Legal
Cozad $500 36% Legal
Waverly $500 36% Legal
Fairbury $500 36% Legal
O’Neill $500 36% Legal
Broken Bow $500 36% Legal
Gothenburg $500 36% Legal
West Point $500 36% Legal
Auburn $500 36% Legal

Best Auto Loans for Bad Credit in Nebraska of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Nebraska:

Yes
Get started

Best Auto Loans for Good Credit in Nebraska of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Nebraska:

Yes
Get started

FHA Loans in Nebraska of January 2025

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.

County: Single 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 of January 2025

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Nebraska:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in Nebraska:

Yes
Get started

All Licensed Credit Unions in Nebraska of January 2025

Name: City: Size (Millions): Members:
CENTRIS FEDERAL CREDIT UNION Omaha $459.01 73114
SAC FEDERAL CREDIT UNION Bellevue $560.75 68521
METRO HEALTH SERVICES FEDERAL CREDIT UNION Omaha $189.66 25482
LIBERTY FIRST CREDIT UNION Lincoln $146.33 16853
SIOUXLAND FEDERAL CREDIT UNION South Sioux City $144.51 15919
FIRST NEBRASKA EDUCATORS AND EMPLOY CREDIT UNION Omaha $87.35 13035
MUTUAL FIRST FEDERAL CREDIT UNION Omaha $107.64 12166
NEBRASKA ENERGY FEDERAL CREDIT UNION Columbus $242.27 11594
PEOPLES CHOICE FEDERAL CREDIT UNION Lincoln $70.50 11241
CREIGHTON FEDERAL CREDIT UNION Omaha $48.19 10980
WESTERN HERITAGE CREDIT UNION Alliance $71.91 10595
UNIVERSITY OF NEBRASKA FEDERAL CREDIT UNION Lincoln $76.14 10109
FOUR POINTS FEDERAL CREDIT UNION Omaha $117.93 8073
OMAHA FEDERAL CREDIT UNION Omaha $69.25 7403
LINCONE FEDERAL CREDIT UNION Lincoln $41.86 7297
MEMBERSOWN CREDIT UNION Lincoln $80.78 7166
COLUMBUS UNITED FEDERAL CREDIT UNION Columbus $45.34 7117
HASTINGS FEDERAL CREDIT UNION Hastings $19.02 6361
FREMONT FIRST CENTRAL FEDERAL CREDIT UNION Fremont $33.67 5481
OMAHA PUBLIC POWER DIST EMP FEDERAL CREDIT UNION Omaha $31.64 4957
SPIRIT OF AMERICA FEDERAL CREDIT UNION Lincoln $31.46 4832
OMAHA POLICE FEDERAL CREDIT UNION Omaha $56.00 4727
KEARNEY FEDERAL CREDIT UNION Kearney $26.27 4705
OMAHA DOUGLAS FEDERAL CREDIT UNION Omaha $27.28 4410
U.P. CONNECTION FEDERAL CREDIT UNION Omaha $30.26 4268
UNION PACIFIC STREAMLINER FEDERAL CREDIT UNION Omaha $23.88 4174
ARCHER COOPERATIVE CREDIT UNION Archer $63.27 4063
OMAHA FIREFIGHTERS CREDIT UNION Omaha $46.27 4019
NEBRASKA STATE EMPLOYEES CREDIT UNION Lincoln $22.57 3974
NORTH PLATTE UNION PACIFIC EMPLOYEE CREDIT UNION Osgood $24.50 3793
KELLOGG CO EMPLOYEES FEDERAL CREDIT UNION Omaha $48.14 3680
NEIGHBORHOOD COMMUNITY FEDERAL CREDIT UNION Omaha $22.75 3536
DALE EMPLOYEES CREDIT UNION Columbus $24.44 2955
FIRST LINCOLN FEDERAL CREDIT UNION Lincoln $15.14 2872
LINCOLN PUBLIC SCHOOL EMPLOYEES FEDERAL CREDIT UNION Lincoln $33.91 2872
NORTHEAST NEBRASKA FEDERAL CREDIT UNION Norfolk $7.55 2776
FAMILY FOCUS FEDERAL CREDIT UNION Omaha $24.00 2732
KEARNEY EATON EMPLOYEES FEDERAL CREDIT UNION Kearney $10.68 2465
KRD FEDERAL CREDIT UNION Mccook $11.84 2344
SUGAR VALLEY FEDERAL CREDIT UNION Scottsbluff $7.78 2212
HEARTLAND AREA FEDERAL CREDIT UNION Omaha $23.53 2107
CHADRON FEDERAL CREDIT UNION Chadron $9.49 1936
CONSUMERS COOPERATIVE FEDERAL CREDIT UNION Alliance $15.79 1813
ELECTRICAL WORKERS NO 22 FEDERAL CREDIT UNION Omaha $8.80 1710
AMERITAS EMPLOYEES CREDIT UNION Lincoln $14.92 1680
GALLUP FEDERAL CREDIT UNION Omaha $13.49 1663
CENTRAL NEBRASKA FEDERAL CREDIT UNION Grand Island $6.41 1538
BOYS TOWN FEDERAL CREDIT UNION Boys Town $2.49 1501
LINCOLN S.D.A. CREDIT UNION Lincoln $14.70 1392
PANHANDLE COOPERATIVE FEDERAL CREDIT UNION Scottsbluff $5.35 1273
WOODMEN FEDERAL CREDIT UNION Omaha $7.54 1132
BAKER’S FEDERAL CREDIT UNION Omaha $6.64 1121
LINCOLN USDA FEDERAL CREDIT UNION Lincoln $5.52 1093
GREATER OMAHA FEDERAL CREDIT UNION Omaha $8.69 1040
HEMINGFORD COMMUNITY FEDERAL CREDIT UNION Hemingford $6.18 1034
ROBERTS DAIRY EMPLOYEES FEDERAL CREDIT UNION Omaha $9.22 948
NEBRASKA RURAL ELECTRIC ASSOCIATION CREDIT UNION Lincoln $5.41 938
LOCAL 265 IBEW FEDERAL CREDIT UNION Lincoln $3.35 838
CONSTRUCTION INDUSTRIES CREDIT UNION Lincoln $1.45 799
NAFCO NEBRASKA FEDERAL CREDIT UNION Grand Island $3.22 765
BOX BUTTE PUBLIC EMPLOYEES FEDERAL CREDIT UNION Alliance $4.91 732
LABOR DEPARTMENT CREDIT UNION Lincoln $4.09 724
NEBRASKA RURAL COMMUNITY FEDERAL CREDIT UNION Morrill $1.73 596
PIONEER COMMUNITY FEDERAL CREDIT UNION Palisade $2.74 560
MEADOW GROVE FEDERAL CREDIT UNION Churchtown $5.74 545
OUR FAMILY SOCIAL CREDIT UNION Omaha $0.51 509
OMAHA BURLINGTON EMPLOYEES CREDIT UNION Omaha $2.63 446
MCPHERSON COMMUNITY FEDERAL CREDIT UNION Tryon $0.91 314
H.B.E. CREDIT UNION Seward $1.14 313
GLENVIL COOPERATIVE CREDIT UNION Glenvil $2.85 306
EDDYVILLE COOPERATIVE CREDIT UNION Eddyville $1.18 255
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