Personal loans in Benedict, NE

Which products a lender may offer to Benedict's 203 residents follows from the Nebraska consumer-lending framework.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Personal loans in Benedict are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 203 population. Benedict is home to roughly 203 people and stands 324th by size out of 527 Census places in Nebraska. Benedict gained roughly 1.0% in population across the 2020-to-2023 comparison. Read the disclosure for an origination fee and any prepayment penalty before signing in Benedict. For a bigger market, look to Stromsburg, NE about 8 miles away.

Benedict: the sourced local profile

What follows is Benedict's place in the Census record, alongside the Nebraska rules that govern a personal loan made here.

Getting a loan in Benedict

With about 1,109 residents per square mile, Benedict is moderately settled, and 72 larger Census places sit within 50 miles. A Nebraska licence lets a lender serve Benedict without a local office, so branch density does not change what its 203 residents are offered. For a larger market, the closest option is Stromsburg, NE about 8 miles away.

The geography behind Benedict

Inside Benedict's boundaries lie about 0.2 square miles of land, with no significant water area recorded. Spread across it are roughly 1,109 residents per square mile. For the state's biggest city, Omaha, the distance is roughly 83 miles. Benedict has 72 larger places within a 50-mile radius. The 100-mile radius contains 238 larger places.

The state rulebook for Benedict

Every row below records a Nebraska rule, its publisher and its retrieval date — the same rules a Benedict lender must follow.

RuleDetailSource
State lending regulatorNebraska 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 statusCapped 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 licensingDelayed 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

What shapes a Benedict personal loan

With roughly 203 residents, Benedict is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Benedict's rank of 324th in Nebraska: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Benedict loan is knowable in advance — unlike a revolving card balance.

Where Benedict sits in Nebraska

Within Nebraska, Benedict holds roughly 0.0% of all residents, the 324th-largest share among 527 places. On the 2020-to-2023 trend, Benedict stands 123rd among Nebraska's 527 places — roughly the 77th percentile. At about 1,109 people per square mile, Benedict is the 170th most densely settled place in Nebraska. By land area, its 0.2 square miles rank 437th of 527 places in Nebraska.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Benedict if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Benedict is the same as anywhere in Nebraska.
What loan size can I expect in Benedict?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Benedict?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Benedict cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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