Personal loans in Arnold, NE
The 2020 count to the 2023 estimate shows about 0.3% decline in Arnold. With roughly 591 residents, Arnold is a small community, and the lending rules its borrowers live under are written in Nebraska, not by the city. About 591 people live in Arnold, placing it 175th of 527 Census places in Nebraska. The closest larger city is Broken Bow, NE about 29 miles away. Every figure below is Nebraska's own, applied to Arnold's 591 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Arnold's 591 residents.
Where Arnold stands
The figures below are Arnold's own — Census population, land area and coordinates — followed by the Nebraska rules.
- Population: the Census counts 591 residents in Arnold (Vintage 2023 subcounty estimate), the 175th-largest figure among Nebraska's 527 places.
- Population trend: A drop of about 0.3% from 2020 to 2023.
- People gained or lost: about 2 fewer since the 2020 base.
- Size percentile: roughly 67% of Nebraska's places have fewer residents than Arnold's 591.
- Land and density: 0.7 square miles of land carry roughly 882 residents per square mile.
- Land area rank: Arnold's 0.7 square miles rank 166th of 527 places in Nebraska.
- State population share: Arnold accounts for about 0.0% of everyone in Nebraska.
- National rank: Arnold sits 12,492nd by population among the 19,457 places in this dataset.
- Growth rank: Arnold's 2020-to-2023 change ranks 238th of 527 places in Nebraska.
- Against the state trend: Arnold's 0.3% change compares with a Nebraska average of -0.6% across its 527 places.
- Density rank: Arnold is the 247th most densely settled place in Nebraska.
- Against the state median: Arnold runs about 882 residents per square mile, where the Nebraska median is 830.
- Location: latitude 41.4232, longitude -100.1936 (Census Gazetteer).
- Nearest larger cities: Broken Bow (29 mi); Gothenburg (35 mi); North Platte (36 mi); Cozad (40 mi); Hershey (46 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Gandy (14 mi); Callaway (17 mi); Stapleton (17 mi).
- Smaller places within 50 miles: 20 of them.
- Within 100 miles: 35 places are larger than Arnold.
Where Arnold sits
Arnold's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. That land carries about 882 people per square mile. The state's population centre of gravity, Omaha, is roughly 215 miles away. Counting outward 50 miles, 5 larger communities surround Arnold. Within the same 50 miles lie 20 smaller Census places.
What Nebraska law requires in Arnold
Nebraska has no separate rate rule for Arnold; the sourced rows below are what reach every lender that serves its 591 people.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
A practical checklist for Arnold borrowers
For Arnold's roughly 591 residents, these are the steps that most influence the offer:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the Nebraska regulator's licence list.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
What differs between Arnold and the rest of Nebraska is not the process but the borrower's own file, among the 591 people here.
Borrowing reach in Arnold
With about 882 residents per square mile, Arnold is moderately settled, and 5 larger Census places sit within 50 miles. Lenders licensed in Nebraska reach Arnold's 591 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Broken Bow, NE about 29 miles away.
Where Arnold sits in Nebraska
Among Nebraska's 527 places, Arnold sits at 175th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 238th of 527 Nebraska places, putting it near the 55th percentile for growth. By density, at about 882 people per square mile, it ranks 247th in Nebraska. Between 2020 and 2023 the count changed by roughly 2 residents.
Common questions
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Nearby places
- Gandy, NE — population 31
- Callaway, NE — population 567
- Stapleton, NE — population 246
- Anselmo, NE — population 108
- Dunning, NE — population 81
- Merna, NE — population 348
- Brady, NE — population 368
- Maxwell, NE — population 249