Personal loans in Crofton, NE

Two households in Crofton, Nebraska with comparable incomes can still be offered different rates, because each lender weighs a credit file its own way. With an estimated 759 residents, Crofton is the 148th-largest of 527 places in Nebraska. The 2020 count to the 2023 estimate shows about 0.4% growth. Rate ceilings, licensing requirements and product limits in Nebraska are all set at the state level. Use the calculator on this page to price an amount and term before you commit. The closest larger place is Bloomfield, NE about 12 miles away.

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

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Borrowing in Crofton: the local picture

Two layers matter for a Crofton borrower: the local population picture and Nebraska's consumer-lending statutes.

Population: 759 — Crofton ranks 148th of 527 communities in Nebraska (US Census Bureau, Vintage 2023).
Population trend: Roughly 0.4% more residents than the 2020 Census counted.
Size percentile: roughly 72% of Nebraska's places have fewer residents.
Location: mapped by the US Census Bureau at 42.7316, -97.4986.
Nearest larger cities: Bloomfield (12 mi); Yankton (12 mi); Hartington (14 mi); Springfield (22 mi); Randolph (25 mi). Living near a larger metro rarely changes what is available in Crofton.
Smaller places close by: Fordyce (7 mi); St. Helena (14 mi); Wausa (16 mi).

What Nebraska law requires in Crofton

Read the table as a lender's compliance picture for Crofton: the rule, the sourced figure, the publisher and the date.

Rule	Detail	Source
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
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
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

What a Crofton personal loan looks like

A personal loan in Crofton is an installment loan: a lump sum up front, repaid in fixed monthly payments over a set term, usually two to seven years. Only when you accept an offer and finish a full application does the lender run a hard inquiry, which may cost a few points for a short time. The rate you see advertised is a range, not a promise, until a lender reviews your file.

A pre-application checklist for Crofton

A sensible order of operations for a loan in Crofton:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Price the payment first with our personal loan calculator before any lender quotes you.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Nebraska licence by checking the regulator named above.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Crofton 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 Crofton is the same as anywhere in Nebraska.

What loan size can I expect in Crofton?

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 Crofton?

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 Crofton 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.

Nearby places

Fordyce, NE — population 133
Yankton, SD — population 15,630
Bloomfield, NE — population 951
Wausa, NE — population 578
Utica, SD — population 71
Hartington, NE — population 1,499
St. Helena, NE — population 89
Tabor, SD — population 403