Personal loans in Cambridge, NE

Between the 2020 Census base and the 2023 estimate, Cambridge's population barely changed. For the 1,074 people in Cambridge, Nebraska runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Compare APR, not the interest rate, because the APR folds in most fees on a Cambridge loan. The closest larger place is McCook, NE about 25 miles away.

The Cambridge data picture

Cambridge is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: a Census-estimated 1,074, 102nd among Nebraska's 527 places (Vintage 2023).
• Population trend: Held essentially flat from the 2020 Census base to the 2023 estimate.
• Size percentile: about 81% of Nebraska communities are smaller than Cambridge (1,074 residents).
• Population density: about 807 people per square mile (Census land area 1.3 sq mi).
• By land area: Cambridge ranks 71st among Nebraska's 527 places, at 1.3 sq mi.
• State share: roughly 0.1% of Nebraska's residents live in Cambridge (1,074 people).
• National rank: Cambridge is the 9,943rd most populous of the 19,457 Census places covered here.
• Growth rank: Cambridge ranks 181st among Nebraska's 527 places for the 2020-to-2023 change.
• Versus Nebraska: the state average change is -0.6%, while Cambridge moved 0.0%.
• Density rank: Cambridge is the 278th most densely settled place in Nebraska.
• Density in context: Cambridge's 807 people per square mile sit against a Nebraska median of 830.
• Location: 40.2843, -100.1658 (Census Gazetteer coordinates).
• Nearest larger cities: McCook (25 mi); Norton (34 mi); Oberlin (37 mi); Lexington (41 mi); Cozad (41 mi). Living near a larger metro rarely changes what is available in Cambridge.
• Nearest smaller places: Bartley (8 mi); Holbrook (8 mi); Wilsonville (12 mi).
• Within a 50-mile radius: 44 smaller Census places.
• At 100 miles: 31 larger Census places fall inside that radius.

Lender access in Cambridge

Cambridge is moderately settled, with about 807 people per square mile and 7 larger places within 50 miles. Lenders licensed in Nebraska reach Cambridge's 1,074 residents online, so the nearest branch is not what sets your APR. The nearest larger city, McCook, NE about 25 miles away.

What a Cambridge borrower is actually offered

A Cambridge personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,074 residents. The APR tracks your credit score rather than Cambridge's rank of 102nd 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 Cambridge loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Cambridge sits in Nebraska

Among Nebraska's 527 places, Cambridge sits at 102nd for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 181st of 527 Nebraska places, putting it near the 66th percentile for growth. By density, at about 807 people per square mile, it ranks 278th in Nebraska. Between 2020 and 2023 the count changed by roughly 0 residents.

The Cambridge borrowing checklist

These steps shape the offer you get in Cambridge, a place of about 1,074 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Nebraska regulator's records to confirm the lender is licensed here.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Nebraska; what changes is your credit file, not the fact that Cambridge holds 1,074 people.

Nebraska consumer-lending rules applied in Cambridge

Below are the Nebraska rules that apply to a loan made in Cambridge, each with the regulator that issued it.