Personal loans in Concord, NE
Two households in Concord with comparable incomes can still be offered different rates; the city's 120 residents are not the reason. An estimated 120 people make their home in Concord, a figure that ranks 394th in Nebraska. The trend for Concord between 2020 and 2023 is downward by roughly 4.0%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Concord's 120 residents. Work out your debt-to-income ratio first; lenders weigh it heavily, and Concord's 120 residents are no exception. The closest larger city is Laurel, NE about 6 miles away.
Where Concord stands
Two layers matter for a Concord borrower: the local population picture and Nebraska's consumer-lending statutes.
- Population: a Census-estimated 120, 394th among Nebraska's 527 places (Vintage 2023).
- Population trend: A loss of roughly 4.0% between 2020 and 2023.
- People gained or lost: about 5 fewer since the 2020 base.
- Size percentile: about 25% of Nebraska's Census places are smaller than Concord.
- Density: roughly 909 residents per square mile, spread over 0.1 sq mi of land.
- By land area: Concord ranks 488th among Nebraska's 527 places, at 0.1 sq mi.
- Share of Nebraska: Concord holds about 0.0% of the state's population, some 120 people.
- Nationally: Concord is the 17,772nd-largest of 19,457 Census places in the dataset.
- Growth in Nebraska: Concord stands 475th by percentage change from 2020 to 2023, among 527 places.
- State comparison: Nebraska's places average -0.6% for 2020-to-2023, against Concord's 4.0%.
- Density in Nebraska: Concord ranks 234th by people per square mile.
- Against the state median: Concord runs about 909 residents per square mile, where the Nebraska median is 830.
- Location: coordinates 42.3842, -96.9893 (US Census Bureau Gazetteer).
- Nearest larger cities: Laurel (6 mi); Allen (8 mi); Wayne (10 mi); Wakefield (10 mi); Carroll (13 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Dixon (2 mi); Belden (11 mi); Martinsburg (12 mi).
- Smaller places within 50 miles: 17 of them.
- Within 100 miles: 317 places are larger than Concord.
How lenders reach Concord
Concord is a moderately settled community of about 120 people, with 78 larger places inside a 50-mile radius. Distance to a branch rarely matters for Concord's 120 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Laurel, NE about 6 miles away.
What shapes a Concord personal loan
A Concord personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 120 residents. Because pricing is borrower-level, two people in Concord can be quoted different APRs on the same amount and term. The term you choose in Concord decides the split between a comfortable payment and the total interest you pay.
Concord's place among Nebraska's 527 places
Among Nebraska's 527 places, Concord sits at 394th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Concord stands 475th among Nebraska's 527 places — roughly the 10th percentile. At about 909 people per square mile, Concord is the 234th most densely settled place in Nebraska. By land area, its 0.1 square miles rank 488th of 527 places in Nebraska.
The geography behind Concord
Concord covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 120 residents, the land area yields roughly 909 people per square mile. The state's population centre of gravity, Omaha, is roughly 91 miles away. Within 50 miles of Concord there are 78 larger Census places. The 100-mile radius contains 317 larger places.
Which Nebraska laws govern a loan in Concord
These are Nebraska's sourced lending facts as they reach Concord's 120 residents; the state has no city-level rate rule.
| 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 |
Common questions
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Does comparing loans in Concord cost me credit score points?
Nearby places
- Dixon, NE — population 78
- Laurel, NE — population 948
- Wayne, NE — population 6,165
- Allen, NE — population 354
- Wakefield, NE — population 1,507
- Martinsburg, NE — population 77
- Belden, NE — population 111
- Carroll, NE — population 186