Personal loans in Hartington, NE
Hartington, Nebraska — home to about 1,499 people — is a small community, so the terms you are offered follow Nebraska law rather than any local rule.
With an estimated 1,499 residents, Hartington is the 75th-largest of 527 places in Nebraska. Hartington shed about 1.1% of its population between the 2020 base and the 2023 estimate. A lender that serves Hartington operates under Nebraska lending statutes and a Nebraska supervisor. Work out your debt-to-income ratio first; lenders weigh it heavily, and Hartington's 1,499 residents are no exception. For a bigger market, look to Yankton, SD about 20 miles away.
Hartington by the numbers
Two layers matter for a Hartington borrower: the local population picture and Nebraska's consumer-lending statutes.
- Population: an estimated 1,499 residents, 75th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 1.1%.
- People gained or lost: about 16 fewer since the 2020 base.
- Size percentile: roughly 86% of Nebraska places rank below Hartington.
- Population density: about 1,520 people per square mile (Census land area 1.0 sq mi).
- Land area: Hartington covers 1.0 square miles, the 109th-largest area among Nebraska's 527 places.
- Share of Nebraska: Hartington holds about 0.1% of the state's population, some 1,499 people.
- National standing: Hartington ranks 8,687th of 19,457 US places.
- Growth rank: Hartington's 2020-to-2023 change ranks 285th of 527 places in Nebraska.
- Versus Nebraska: the state average change is -0.6%, while Hartington moved 1.1%.
- Density rank: Hartington places 78th among Nebraska's places by people per square mile.
- Density vs Nebraska: Hartington's 1,520 people per square mile compare with a state median of 830.
- Location: 42.6202, -97.2671 (Census Gazetteer coordinates).
- Nearest larger cities: Yankton (20 mi); Vermillion (21 mi); Wayne (30 mi); Elk Point (30 mi); Wakefield (32 mi). Living near a larger metro rarely changes what is available in Hartington.
- Smaller communities close by: Fordyce (7 mi); Coleridge (9 mi); Wynot (10 mi), each with its own Census population profile.
- Smaller places within 50 miles: 73 of them.
- Larger places within 100 miles: 55.
The state rulebook for Hartington
This table holds the Nebraska rate and licensing rules for consumer loans made to Hartington's 1,499 residents.
| 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 |
A practical checklist for Hartington borrowers
A sensible order of operations for a loan in Hartington, home to about 1,499 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Check the Nebraska regulator's records to confirm the lender is licensed here.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
None of these steps is Hartington-specific: the same Nebraska licensing and disclosure rules reach all 1,499 residents.
Where Hartington sits
Inside Hartington's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 1,499 residents, the land area yields roughly 1,520 people per square mile. The state's population centre of gravity, Omaha, is roughly 113 miles away. Within 50 miles of Hartington there are 17 larger Census places. Within the same 50 miles lie 73 smaller Census places.
Borrowing reach in Hartington
Hartington is a moderately settled community of about 1,499 people, with 17 larger places inside a 50-mile radius. A Nebraska licence lets a lender serve Hartington without a local office, so branch density does not change what its 1,499 residents are offered. The nearest bigger place is Yankton, SD about 20 miles away.
How Hartington compares across Nebraska
Within Nebraska, Hartington holds roughly 0.1% of all residents, the 75th-largest share among 527 places. For population change between 2020 and 2023, Hartington ranks 285th of 527 in Nebraska (about the 46th percentile). Its roughly 1,520 residents per square mile place it 78th among Nebraska's places. In land area, Hartington ranks 109th among Nebraska's 527 places.
Common questions
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Nearby places
- Fordyce, NE — population 133
- Coleridge, NE — population 515
- Wynot, NE — population 217
- St. Helena, NE — population 89
- Belden, NE — population 111
- Obert, NE — population 22
- Laurel, NE — population 948
- Crofton, NE — population 759