Personal loans in Culbertson, NE
Culbertson ranks 190th of 527 places in Nebraska, with a population near 517. Two households in Culbertson with comparable incomes can still be offered different rates; the city's 517 residents are not the reason. Population in Culbertson dropped about 2.5% over the three years from 2020 to 2023. Work out your debt-to-income ratio first; lenders weigh it heavily, and Culbertson's 517 residents are no exception. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Culbertson's 517 residents. A larger market lies at McCook, NE about 12 miles away.
The Culbertson data picture
Most of what governs a Culbertson loan is written in Nebraska law rather than in the city; the sourced notes below make that split concrete.
- Population: 517 people, a figure that places Culbertson 190th among the 527 Census places in Nebraska (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.5% fewer residents than the 2020 Census counted.
- People gained or lost: about 13 fewer since the 2020 base.
- Size percentile: roughly 64% of Nebraska places rank below Culbertson.
- Land and density: 0.8 square miles of land carry roughly 618 residents per square mile.
- By land area: Culbertson ranks 126th among Nebraska's 527 places, at 0.8 sq mi.
- Share of state population: Culbertson's 517 residents are about 0.0% of Nebraska.
- National rank: Culbertson is 13,027th of 19,457 places nationwide.
- Growth rank: Culbertson's 2020-to-2023 change ranks 405th of 527 places in Nebraska.
- Versus Nebraska: the state average change is -0.6%, while Culbertson moved 2.5%.
- Density rank: Culbertson places 345th among Nebraska's places by people per square mile.
- Density vs Nebraska: Culbertson's 618 people per square mile compare with a state median of 830.
- Location: the Census Gazetteer records it at 40.2242, -100.8396.
- Nearest larger cities: McCook (12 mi); Indianola (22 mi); Atwood (31 mi); Wauneta (31 mi); Oberlin (32 mi). Larger metros often have more branches, but online lenders reach Culbertson on the same terms.
- Smaller places nearby: Trenton (10 mi); Palisade (17 mi); Stratton (21 mi).
- Within a 50-mile radius: 25 smaller Census places.
- Within 100 miles: 47 places are larger than Culbertson.
How Culbertson compares across Nebraska
Among Nebraska's 527 places, Culbertson sits at 190th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Culbertson ranks 405th of 527 in Nebraska (about the 23th percentile). Its roughly 618 residents per square mile place it 345th among Nebraska's places. The population moved by about 13 people between 2020 and 2023, a 2.5% shift.
Getting a loan in Culbertson
At roughly 618 people per square mile, Culbertson is moderately settled; 10 larger places lie within 50 miles. Whether Culbertson has a local branch or not, a Nebraska-licensed lender can serve its 517 people online on the same terms. The nearest bigger place is McCook, NE about 12 miles away.
Before you apply in Culbertson
For Culbertson's roughly 517 residents, these are the steps that most influence the offer:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Nebraska licence with the regulator named above before committing.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
In Culbertson as elsewhere in Nebraska, the written terms — not the advertisement — are what count for its 517 residents.
What Nebraska law requires in Culbertson
Every row below records a Nebraska rule, its publisher and its retrieval date — the same rules a Culbertson lender must follow.
| 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 |
| 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 |
| 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 |
Where Culbertson sits
Culbertson's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 618 residents per square mile. The state's population centre of gravity, Omaha, is roughly 261 miles away. Culbertson has 10 larger places within a 50-mile radius. The 100-mile radius contains 47 larger places.
Common questions
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Nearby places
- Trenton, NE — population 501
- McCook, NE — population 7,253
- Palisade, NE — population 283
- Herndon, KS — population 118
- Hayes Center, NE — population 223
- Stratton, NE — population 304
- Indianola, NE — population 518
- Hamlet, NE — population 30