Personal loans in Elwood, NE

From the 2020 Census base to the 2023 estimate, the population declined by about 3.6%. A single loan can carry different costs on either side of a state line, and Elwood sits on the Nebraska side of that line. For a community of about 637, the practical step is to compare APR across at least three lenders before committing. The closest larger city is Bertrand, NE about 13 miles away.

The Elwood data picture

What follows is Elwood's place in the Census record, alongside the Nebraska rules that govern a personal loan made here.

• Population: an estimated 637 residents, 164th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 3.6% across the 2020-to-2023 comparison.
• People gained or lost: about 24 fewer since the 2020 base.
• Size percentile: Elwood sits ahead of around 69% of Nebraska places, at 637 people.
• Population density: about 1,156 people per square mile (Census land area 0.6 sq mi).
• Land area rank: Elwood's 0.6 square miles rank 206th of 527 places in Nebraska.
• Within Nebraska: about 0.0% of the state's population lives in Elwood.
• National standing: Elwood ranks 12,187th of 19,457 US places.
• Growth rank: Elwood ranks 461st among Nebraska's 527 places for the 2020-to-2023 change.
• State comparison: Nebraska's places average -0.6% for 2020-to-2023, against Elwood's 3.6%.
• Density rank: Elwood is the 153rd most densely settled place in Nebraska.
• Density vs Nebraska: Elwood's 1,156 people per square mile compare with a state median of 830.
• Location: latitude 40.5901, longitude -99.8620 (Census Gazetteer).
• Nearest larger cities: Bertrand (13 mi); Lexington (14 mi); Arapahoe (20 mi); Cozad (20 mi); Oxford (26 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Smithfield (6 mi); Eustis (10 mi); Overton (20 mi).
• Smaller places within 50 miles: 39 of them.
• At 100 miles: 51 larger Census places fall inside that radius.

The anatomy of a Elwood personal loan

A Elwood personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 637 residents. Two numbers drive a Elwood loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Elwood decides the split between a comfortable payment and the total interest you pay.

The Nebraska lending rules that reach Elwood

The rows below set out what a licensed lender must follow in Nebraska, and so for Elwood's roughly 637 residents.

Land, water and location for Elwood

Elwood's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,156 people per square mile. The state's population centre of gravity, Omaha, is roughly 204 miles away. Within 50 miles of Elwood there are 15 larger Census places. Within the same 50 miles lie 39 smaller Census places.

Elwood's place among Nebraska's 527 places

Against Nebraska's other places, Elwood accounts for about 0.0% of the state's population and ranks 164th of 527 by size. On the 2020-to-2023 trend, Elwood stands 461st among Nebraska's 527 places — roughly the 13th percentile. At about 1,156 people per square mile, Elwood is the 153rd most densely settled place in Nebraska. In land area, Elwood ranks 206th among Nebraska's 527 places.

Borrowing reach in Elwood

Elwood is moderately settled, with about 1,156 people per square mile and 15 larger places within 50 miles. A Nebraska licence lets a lender serve Elwood without a local office, so branch density does not change what its 637 residents are offered. For a larger market, the closest option is Bertrand, NE about 13 miles away.