Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / NE
Personal loans, banking, insurance, and debt help in Nebraska
Nebraskans use personal loans for debt consolidation, unexpected expenses, home improvement, and major life events, under a two-tier rate schedule for licensed installment lenders.
28lenders in the dataset
NEstate guide
$1,684/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Nebraska
Nebraskans use personal loans for debt consolidation, unexpected expenses, home improvement, and major life events, under a two-tier rate schedule for licensed installment lenders.
Interest-rate law
The Installment Loan Act tiers licensed-lender rates at 24% on the first $1,000 of unpaid principal balance and 21% on everything above that, with a maximum 145-month term for loans between $3,000 and $25,000. Treatment of loans above $25,000 isn't fully clear from the statute's text and may fall under the general usury framework.
| Loan range | Rate | Statute |
|---|---|---|
| First $1,000 | 24% | Nebraska Installment Loan Act, §45-1024 |
| Above $1,000, up to $25,000 | 21% | Nebraska Installment Loan Act, §45-1024 |
| Above $25,000 | Unclear; may fall to general usury framework | Not specified in dataset |
Lender complaints: Nebraska Department of Banking and Finance
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
03 / Debt consolidation
Debt consolidation
Nebraska's tiered schedule runs 24% on the first $1,000 and 21% above that, so a well-priced debt consolidation loan should land comfortably under those ceilings compared to a typical credit card APR.
04 / Banking and credit unions
Banking in Nebraska
National banks offer scale and convenience, while Nebraska-based regional and community banks compete on relationship banking and faster local lending decisions.
Banks listed
- First National Bank of OmahaHeadquartered in Omaha, NE.
- US BankNational bank, headquartered in Minneapolis, MN.
- Wells FargoNational bank.
- Pinnacle BankHeadquartered in Lincoln, NE.
- Great Western BankHeadquartered in Sioux Falls, SD, with a significant Nebraska presence.
Credit unions
Nebraska's credit unions are member-owned, not-for-profit institutions that often post lower loan rates and fewer fees than comparable bank products, with membership tied to living, working, or having other ties to a specific group.
About -0.8% year-over-year median membership growth (Q4 2025 NCUA data), close to a national median of about -0.5%, alongside weak median loan growth (about -0.4%).
One of the smallest credit union sectors covered, with only about 13 credit unions statewide, reflecting rural agricultural cooperatives and narrow, single-employer roots. Nebraska's oldest, Post Office Employees Cooperative Credit Association, was chartered in 1928; Omaha Federal Credit Union was one of the country's earliest federal charter members in 1935.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal and licensed under Neb. Rev. Stat. § 69-1201 et seq. (Debt Management), regulated by the Nebraska Department of Banking and Finance. No clearly documented fee cap; the federal Telemarketing Sales Rule's ban on advance fees is the baseline protection.
Companies listed in the dataset
06 / Insurance
Nebraska insurance
Regulator
Nebraska Department of Insurance
Insurance regulator websiteAuto insurance
25/50/25
Nebraska requires $25,000 per person / $50,000 per accident bodily injury liability plus $25,000 property damage liability. Uninsured and underinsured motorist coverage are also required.
Homeowners and renters
$1,684/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $141/yr
9th-highest homeowners premium in the country (2021 NAIC data), driven largely by hail risk; Nebraska sits squarely in Tornado Alley and regularly ranks among the top states for hail-related insurance losses.
07 / Questions
Nebraska FAQs
How do I file a complaint against a lender in Nebraska?
Contact the Nebraska Department of Banking and Finance, which licenses and supervises consumer lenders operating in Nebraska.
How do I file a complaint against my insurance company in Nebraska?
File with the Nebraska Department of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Nebraska?
24% on the first $1,000 of unpaid principal, and 21% on everything above that, under the Nebraska Installment Loan Act, for loans up to $25,000 with a maximum 145-month term. Loans above $25,000 aren't fully clear from the statute's text.
What credit score do I need for a personal loan in Nebraska?
It depends on the lender. Banks and credit unions typically want a FICO score of 700+; FinTech lenders work with fair credit (low-to-mid 600s); some lenders serve poor or limited credit at higher APRs.
Are payday loans legal in Nebraska, and are there caps on fees or loan amounts?
No, not in the traditional triple-digit-APR sense. Nebraskans voted in 2020 to cap payday loan APR at 36% via ballot initiative, similar to Colorado, South Dakota, and Montana, effectively eliminating the traditional high-cost payday loan product.
How long can a debt collector legally pursue an unpaid debt in Nebraska before the statute of limitations runs out?
5 years for written contracts (Neb. Rev. Stat. § 25-205); 4 years for oral contracts (§ 25-206). Payment or written acknowledgment can restart the clock.
What's the difference between a debt consolidation loan and debt settlement for someone living in Nebraska?
A debt consolidation loan pays off debts in full with newly borrowed money at a fixed schedule, letting credit recover quickly. Debt settlement negotiates reduced balances but requires stopping payments first, damaging credit, and forgiven amounts can be taxable. Nebraska requires debt settlement companies to be licensed.
