Personal loans in Fairbury, NE
From the 2020 Census base to the 2023 estimate, the population declined by about 3.4%. At about 3,832 residents, Fairbury is larger than roughly 93% of the places in Nebraska. Fairbury counts about 3,832 people, and what is genuinely local about borrowing here is limited — Nebraska law does the governing. Rate-shopping from Fairbury costs nothing at pre-qualification, where a soft pull leaves your credit file alone. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Fairbury's 3,832 residents. For a bigger market, look to Beatrice, NE about 24 miles away.
What the Census records for Fairbury
Fairbury is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 3,832 people live here, which puts Fairbury 39th of 527 Census places in Nebraska (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 3.4%.
- Absolute change: 133 residents lost between 2020 and 2023.
- Size percentile: roughly 93% of Nebraska's places have fewer residents than Fairbury's 3,832.
- Population density: about 1,511 people per square mile across 2.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Fairbury's 2.5 square miles rank 43rd of 527 places in Nebraska.
- State population share: Fairbury accounts for about 0.2% of everyone in Nebraska.
- National standing: Fairbury ranks 5,550th of 19,457 US places.
- Growth rank: Fairbury ranks 451st among Nebraska's 527 places for the 2020-to-2023 change.
- Versus Nebraska: the state average change is -0.6%, while Fairbury moved 3.4%.
- Density in Nebraska: Fairbury ranks 80th by people per square mile.
- Density in context: Fairbury's 1,511 people per square mile sit against a Nebraska median of 830.
- Location: mapped by the US Census Bureau at 40.1447, -97.1765.
- Nearest larger cities: Beatrice (24 mi); Crete (35 mi); Concordia (47 mi); Clay Center (53 mi); Seward (53 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Jansen (6 mi); Endicott (6 mi); Reynolds (10 mi).
- Within a 50-mile radius: 101 smaller Census places.
- Within 100 miles: 30 places are larger than Fairbury.
How Nebraska law applies in Fairbury
Below are the Nebraska rules that apply to a loan made in Fairbury, each with the regulator that issued it.
| 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 |
| 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 |
Where Fairbury sits
Fairbury's land area is roughly 2.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,511 residents per square mile. Omaha, the largest place in Nebraska, is about 97 miles from Fairbury. Within 50 miles of Fairbury there are 3 larger Census places. Within the same 50 miles lie 101 smaller Census places.
Fairbury against the rest of Nebraska
Among Nebraska's 527 places, Fairbury sits at 39th for population, a share of roughly 0.2% of the state. On the 2020-to-2023 trend, Fairbury stands 451st among Nebraska's 527 places — roughly the 14th percentile. Its roughly 1,511 residents per square mile place it 80th among Nebraska's places. By land area, its 2.5 square miles rank 43rd of 527 places in Nebraska.
Inside a Fairbury personal loan
With roughly 3,832 residents, Fairbury is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Fairbury lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Fairbury loan but raises total interest, so the smallest payment is not the cheapest loan.
Getting a loan in Fairbury
Fairbury is a moderately settled community of about 3,832 people, with 3 larger places inside a 50-mile radius. What is available to Fairbury's 3,832 borrowers is set by Nebraska licensing and your own credit, not by how many branches are nearby. The nearest larger city, Beatrice, NE about 24 miles away.
Common questions
What are my options in Fairbury if my credit is poor?
What loan size can I expect in Fairbury?
Do I have to pledge anything to borrow in Fairbury?
Does comparing loans in Fairbury cost me credit score points?
Nearby places
- Jansen, NE — population 97
- Endicott, NE — population 110
- Reynolds, NE — population 56
- Steele City, NE — population 48
- Harbine, NE — population 52
- Daykin, NE — population 152
- Alexandria, NE — population 139
- Mahaska, KS — population 43