Personal loans in Oconto, NE
Oconto is one of 527 Census places in Nebraska; its 140 residents put it at 374th. The first question in Oconto is not the rate on offer but whether the payment fits; about 140 people live here under Nebraska lending law.
Over 2020 to 2023, Oconto recorded almost no population movement. Use the calculator on this page to price an amount and term before you commit in Oconto. Every figure below is Nebraska's own, applied to Oconto's 140 residents, with the publisher and retrieval date attached. A larger market lies at Callaway, NE about 13 miles away.
Local context for Oconto
Only a few things actually differ by place — population, area, location, and the Nebraska rules a lender must follow — and they are below.
- Population: about 140, ranked 374th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- Population trend: No meaningful shift since the 2020 count.
- Size percentile: Oconto sits ahead of around 29% of Nebraska places, at 140 people.
- Density: the Census land area of 0.2 sq mi holds about 690 people per square mile.
- Land area rank: Oconto's 0.2 square miles rank 427th of 527 places in Nebraska.
- Share of state population: Oconto's 140 residents are about 0.0% of Nebraska.
- National rank: Oconto is 17,419th of 19,457 places nationwide.
- Growth rank: Oconto ranks 189th among Nebraska's 527 places for the 2020-to-2023 change.
- Against the state trend: Oconto's 0.0% change compares with a Nebraska average of -0.6% across its 527 places.
- Density rank: Oconto places 319th among Nebraska's places by people per square mile.
- Against the state median: Oconto runs about 690 residents per square mile, where the Nebraska median is 830.
- Location: 41.1417 / -99.7619, per the US Census Bureau Gazetteer.
- Nearest larger cities: Callaway (13 mi); Sumner (19 mi); Broken Bow (19 mi); Ansley (22 mi); Cozad (23 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Eddyville (11 mi); Berwyn (20 mi); Miller (24 mi), each with its own Census population profile.
- Within a 50-mile radius: 11 smaller Census places.
- Larger places within 100 miles: 116.
The geography behind Oconto
Inside Oconto's boundaries lie about 0.2 square miles of land, with no significant water area recorded. Spread across it are roughly 690 residents per square mile. Omaha, the largest place in Nebraska, is about 193 miles from Oconto. A 50-mile radius around Oconto takes in 29 places that are larger. Within the same 50 miles lie 11 smaller Census places.
How personal loans work in Oconto
Most loans made to Oconto's 140 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Oconto's 140 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Oconto loan but raises total interest, so the smallest payment is not the cheapest loan.
How Oconto compares across Nebraska
Set beside Nebraska's 527 places, Oconto ranks 374th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Oconto stands 189th among Nebraska's 527 places — roughly the 64th percentile. Its roughly 690 residents per square mile place it 319th among Nebraska's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.
Nebraska rules behind a Oconto personal loan
When Nebraska does not publish a figure, the row links to the source instead of inventing a number; Oconto is bound by the same rules.
| 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 |
What is available to Oconto borrowers
At roughly 690 people per square mile, Oconto is moderately settled; 29 larger places lie within 50 miles. What is available to Oconto's 140 borrowers is set by Nebraska licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Callaway, NE about 13 miles away.
Common questions
What are my options in Oconto if my credit is poor?
What loan size can I expect in Oconto?
Do I have to pledge anything to borrow in Oconto?
Does comparing loans in Oconto cost me credit score points?
Nearby places
- Eddyville, NE — population 85
- Callaway, NE — population 567
- Broken Bow, NE — population 3,542
- Sumner, NE — population 244
- Berwyn, NE — population 73
- Merna, NE — population 348
- Cozad, NE — population 3,933
- Lexington, NE — population 10,816