Personal loans in Broken Bow, NE
The first question in Broken Bow is not the rate on offer but whether the payment fits; about 3,542 people live here under Nebraska lending law.
The Census counts 3,542 people in Broken Bow, the 41st-largest figure among Nebraska's 527 places. From the 2020 Census base to the 2023 estimate, the population rose by about 0.4%. Which products a lender may offer to Broken Bow's 3,542 residents follows from the Nebraska consumer-lending framework. Read the disclosure for an origination fee and any prepayment penalty before signing in Broken Bow. The closest larger city is Cozad, NE about 42 miles away.
Broken Bow: population, trend and location
Broken Bow is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 3,542 people live here, which puts Broken Bow 41st of 527 Census places in Nebraska (Vintage 2023).
- Population trend: A gain of roughly 0.4% between 2020 and 2023.
- People gained or lost: about 13 more since the 2020 base.
- Size percentile: about 92% of Nebraska's Census places are smaller than Broken Bow.
- Density: roughly 1,753 residents per square mile, spread over 2.0 sq mi of land.
- By land area: Broken Bow ranks 53rd among Nebraska's 527 places, at 2.0 sq mi.
- Share of Nebraska: Broken Bow holds about 0.2% of the state's population, some 3,542 people.
- National rank: Broken Bow is the 5,786th most populous of the 19,457 Census places covered here.
- Growth in Nebraska: Broken Bow stands 164th by percentage change from 2020 to 2023, among 527 places.
- Versus Nebraska: the state average change is -0.6%, while Broken Bow moved 0.4%.
- Density rank: Broken Bow places 45th among Nebraska's places by people per square mile.
- Density in context: Broken Bow's 1,753 people per square mile sit against a Nebraska median of 830.
- Location: 41.4052 / -99.6408, per the US Census Bureau Gazetteer.
- Nearest larger cities: Cozad (42 mi); Lexington (44 mi); Kearney (57 mi); North Platte (61 mi); Holdrege (68 mi). Lenders licensed in the state serve Broken Bow whether or not they keep a local branch.
- Nearest smaller towns: Berwyn (8 mi); Merna (8 mi); Ansley (16 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 38 smaller Census places.
- Within 100 miles: 10 places are larger than Broken Bow.
A practical checklist for Broken Bow borrowers
Before you apply in Broken Bow, a community of about 3,542, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Nebraska licence with the regulator listed on this page.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
In Broken Bow as elsewhere in Nebraska, the written terms — not the advertisement — are what count for its 3,542 residents.
Broken Bow: area, density and distance
Broken Bow's land area is roughly 2.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,753 people per square mile. Omaha, the largest place in Nebraska, is about 186 miles from Broken Bow. A 50-mile radius around Broken Bow takes in 2 places that are larger. By land area it ranks 53rd of 527 Nebraska places.
How Broken Bow compares across Nebraska
Among Nebraska's 527 places, Broken Bow sits at 41st for population, a share of roughly 0.2% of the state. On the 2020-to-2023 trend, Broken Bow stands 164th among Nebraska's 527 places — roughly the 69th percentile. At about 1,753 people per square mile, Broken Bow is the 45th most densely settled place in Nebraska. In land area, Broken Bow ranks 53rd among Nebraska's 527 places.
Which Nebraska laws govern a loan in Broken Bow
For the roughly 3,542 residents of Broken Bow, the rules below are Nebraska's own; each row carries its publisher and retrieval date.
| 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 |
How personal loans work in Broken Bow
Most loans made to Broken Bow's 3,542 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Broken Bow's rank of 41st in Nebraska: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Broken Bow loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Merna, NE — population 348
- Berwyn, NE — population 73
- Ansley, NE — population 469
- Oconto, NE — population 140
- Callaway, NE — population 567
- Anselmo, NE — population 108
- Sargent, NE — population 487
- Mason City, NE — population 149