Personal loans in Chappell, NE
A lender that serves Chappell operates under Nebraska lending statutes and a Nebraska supervisor. At about 851 residents, Chappell is larger than roughly 76% of the places in Nebraska.
If you are weighing a personal loan in Chappell, start from the payment you can carry; its 851 residents face the same statewide rules. Population in Chappell climbed about 1.2% over the three years from 2020 to 2023. Pull your credit reports and line up at least three offers before you apply from Chappell. The next larger city is Julesburg, CO about 13 miles away.
What the Census records for Chappell
Most of what governs a Chappell loan is written in Nebraska law rather than in the city; the sourced notes below make that split concrete.
- Population: about 851, ranked 129th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 1.2% since the 2020 count.
- People gained or lost: about 10 more since the 2020 base.
- Size percentile: roughly 76% of Nebraska places rank below Chappell.
- Land and density: 0.7 square miles of land carry roughly 1,212 residents per square mile.
- By land area: Chappell ranks 152nd among Nebraska's 527 places, at 0.7 sq mi.
- State population share: Chappell accounts for about 0.1% of everyone in Nebraska.
- National rank: Chappell is the 10,916th most populous of the 19,457 Census places covered here.
- Growth rank: Chappell ranks 108th among Nebraska's 527 places for the 2020-to-2023 change.
- Versus Nebraska: the state average change is -0.6%, while Chappell moved 1.2%.
- Density in Nebraska: Chappell ranks 135th by people per square mile.
- Density vs Nebraska: Chappell's 1,212 people per square mile compare with a state median of 830.
- Location: it lies at 41.0913, -102.4699 in the Census Gazetteer.
- Nearest larger cities: Julesburg (13 mi); Sidney (26 mi); Haxtun (32 mi); Holyoke (36 mi); Ogallala (39 mi). Lenders licensed in the state serve Chappell whether or not they keep a local branch.
- Smaller places nearby: Lodgepole (10 mi); Ovid (10 mi); Sedgwick (11 mi).
- Within a 50-mile radius: 18 smaller Census places.
- At 100 miles: 27 larger Census places fall inside that radius.
Chappell against the rest of Nebraska
Against Nebraska's other places, Chappell accounts for about 0.1% of the state's population and ranks 129th of 527 by size. Its 2020-to-2023 change ranks 108th of 527 Nebraska places, putting it near the 80th percentile for growth. Its roughly 1,212 residents per square mile place it 135th among Nebraska's places. By land area, its 0.7 square miles rank 152nd of 527 places in Nebraska.
Getting a loan in Chappell
Chappell is a moderately settled community of about 851 people, with 7 larger places inside a 50-mile radius. What is available to Chappell's 851 borrowers is set by Nebraska licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Julesburg, CO about 13 miles away.
Inside a Chappell personal loan
Chappell is a small community of about 851 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Chappell loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Chappell loan is knowable in advance — unlike a revolving card balance.
Nebraska consumer-lending rules applied in Chappell
Read the table as a lender's compliance picture for Chappell: the rule, the sourced figure, the publisher and the 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 |
| Delayed deposit services (payday) licensing administration | NDBF publishes delayed deposit services license guidelines, statutes, and a licensed-business search Source says: "Delayed Deposit Services (Payday Lenders)" | Nebraska Department of Banking and Finance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum on agreed interest (unpaid principal balance) Source says: "any rate of interest which may be agreed upon, not exceeding sixteen percent per annum on the unpaid principal balance, shall be valid" | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
Land, water and location for Chappell
Inside Chappell's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 1,212 people per square mile. For the state's biggest city, Omaha, the distance is roughly 334 miles. Counting outward 50 miles, 7 larger communities surround Chappell. The 100-mile radius contains 27 larger places.
Common questions
What are my options in Chappell if my credit is poor?
What loan size can I expect in Chappell?
Do I have to pledge anything to borrow in Chappell?
Does comparing loans in Chappell cost me credit score points?
Nearby places
- Ovid, CO — population 265
- Sedgwick, CO — population 167
- Lodgepole, NE — population 316
- Julesburg, CO — population 1,238
- Oshkosh, NE — population 770
- Big Springs, NE — population 401
- Lewellen, NE — population 167
- Crook, CO — population 125