Personal loans in Rosalie, NE
When Nebraska caps or restricts a product, lenders either change the terms or withdraw it from Rosalie as from the rest of the state.
Rosalie is a small community in Nebraska, with an estimated 152 residents, and every licensed lender here follows the same state rulebook. Roughly 152 residents live in Rosalie, the 367th-largest community in Nebraska. Rosalie lost roughly 3.2% of its population across the 2020-to-2023 comparison. Compare APR, not the interest rate, because the APR folds in most fees on a Rosalie loan. The closest larger place is Bancroft, NE about 4 miles away.
Where Rosalie stands
Two layers matter for a Rosalie borrower: the local population picture and Nebraska's consumer-lending statutes.
- Population: 152 — Rosalie ranks 367th of 527 communities in Nebraska (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 3.2% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
- Size percentile: about 30% of Nebraska communities are smaller than Rosalie (152 residents).
- Population density: about 776 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Rosalie ranks 429th among Nebraska's 527 places, at 0.2 sq mi.
- State population share: Rosalie accounts for about 0.0% of everyone in Nebraska.
- National rank: Rosalie is the 17,267th most populous of the 19,457 Census places covered here.
- Growth rank: Rosalie's 2020-to-2023 change ranks 442nd of 527 places in Nebraska.
- Versus Nebraska: the state average change is -0.6%, while Rosalie moved 3.2%.
- Density rank: Rosalie places 291st among Nebraska's places by people per square mile.
- Density vs Nebraska: Rosalie's 776 people per square mile compare with a state median of 830.
- Location: it lies at 42.0573, -96.5128 in the Census Gazetteer.
- Nearest larger cities: Bancroft (4 mi); Walthill (6 mi); Lyons (9 mi); Pender (11 mi); Winnebago (13 mi). Living near a larger metro rarely changes what is available in Rosalie.
- Smaller communities within reach: Thurston (13 mi); Turin (28 mi); Waterbury (30 mi).
- Smaller neighbours: 19 places smaller than Rosalie sit within 50 miles.
- Within 100 miles: 345 places are larger than Rosalie.
How lenders reach Rosalie
Rosalie is a moderately settled community of about 152 people, with 88 larger places inside a 50-mile radius. What is available to Rosalie's 152 borrowers is set by Nebraska licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Bancroft, NE about 4 miles away.
What shapes a Rosalie personal loan
With roughly 152 residents, Rosalie is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Rosalie's 152 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Rosalie decides the split between a comfortable payment and the total interest you pay.
Where Rosalie sits in Nebraska
Set beside Nebraska's 527 places, Rosalie ranks 367th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Rosalie ranks 442nd of 527 in Nebraska (about the 16th percentile). Its roughly 776 residents per square mile place it 291st among Nebraska's places. The population moved by about 5 people between 2020 and 2023, a 3.2% shift.
Nebraska rules behind a Rosalie personal loan
The rows below set out what a licensed lender must follow in Nebraska, and so for Rosalie's roughly 152 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 |
What to do before borrowing in Rosalie
Complete these steps first when you borrow in Rosalie (152 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Check the Nebraska regulator's records to confirm the lender is licensed here.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
What differs between Rosalie and the rest of Nebraska is not the process but the borrower's own file, among the 152 people here.
Common questions
What are my options in Rosalie if my credit is poor?
What loan size can I expect in Rosalie?
Do I have to pledge anything to borrow in Rosalie?
Does comparing loans in Rosalie cost me credit score points?
Nearby places
- Bancroft, NE — population 493
- Walthill, NE — population 682
- Lyons, NE — population 813
- Winnebago, NE — population 888
- Pender, NE — population 1,053
- Thurston, NE — population 115
- Oakland, NE — population 1,359
- Homer, NE — population 517