Personal loans in Roseland, NE
Two households in Roseland with comparable incomes can still be offered different rates; the city's 258 residents are not the reason. Roseland is home to roughly 258 people and stands 289th by size out of 527 Census places in Nebraska. The 2020 count to the 2023 estimate shows about 1.1% decline in Roseland. Pull your credit reports and line up at least three offers before you apply from Roseland. The nearest larger city is Juniata, NE about 9 miles away. Consumer lending that reaches Roseland's 258 residents is governed by Nebraska statute; no city ordinance changes it.
Roseland: population, trend and location
Set out below is Roseland's local context next to the state-level rules that reach every lender here.
- Population: 258 residents; Roseland is the 289th-largest of 527 places in Nebraska (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.1% since the 2020 count.
- Absolute change: 3 residents lost between 2020 and 2023.
- Size percentile: Roseland sits ahead of around 45% of Nebraska places, at 258 people.
- Population density: 935 people per square mile on 0.3 square miles of land.
- Land area: Roseland covers 0.3 square miles, the 358th-largest area among Nebraska's 527 places.
- Share of state population: Roseland's 258 residents are about 0.0% of Nebraska.
- National rank: Roseland sits 15,651st by population among the 19,457 places in this dataset.
- Growth rank: Roseland ranks 299th among Nebraska's 527 places for the 2020-to-2023 change.
- Against the state trend: Roseland's 1.1% change compares with a Nebraska average of -0.6% across its 527 places.
- Density rank: Roseland places 224th among Nebraska's places by people per square mile.
- Density in context: Roseland's 935 people per square mile sit against a Nebraska median of 830.
- Location: mapped by the US Census Bureau at 40.4697, -98.5587.
- Nearest larger cities: Juniata (9 mi); Blue Hill (11 mi); Kenesaw (12 mi); Hastings (12 mi); Campbell (15 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Holstein (5 mi); Ayr (7 mi); Bladen (10 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 38 smaller Census places.
- Larger places within 100 miles: 151.
What Nebraska law requires in Roseland
Read the table as a lender's compliance picture for Roseland: the rule, the sourced figure, the publisher and the date.
| 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 |
Roseland in state context
Roseland is the 289th-largest of 527 Census places in Nebraska and contains about 0.0% of the state's people. For population change between 2020 and 2023, Roseland ranks 299th of 527 in Nebraska (about the 43th percentile). By density, at about 935 people per square mile, it ranks 224th in Nebraska. The population moved by about 3 people between 2020 and 2023, a 1.1% shift.
Roseland on the map
Inside Roseland's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 935 people per square mile. The largest place in Nebraska, Omaha, lies about 142 miles away. Counting outward 50 miles, 45 larger communities surround Roseland. By land area it ranks 358th of 527 Nebraska places.
Borrowing reach in Roseland
With about 935 residents per square mile, Roseland is moderately settled, and 45 larger Census places sit within 50 miles. Whether Roseland has a local branch or not, a Nebraska-licensed lender can serve its 258 people online on the same terms. For a larger market, the closest option is Juniata, NE about 9 miles away.
What shapes a Roseland personal loan
A Roseland personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 258 residents. The APR tracks your credit score rather than Roseland's rank of 289th in Nebraska: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Roseland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Holstein, NE — population 186
- Ayr, NE — population 85
- Juniata, NE — population 742
- Bladen, NE — population 201
- Blue Hill, NE — population 795
- Kenesaw, NE — population 916
- Hastings, NE — population 24,896
- Prosser, NE — population 75