Personal loans in Thedford, NE
Personal loans in Thedford are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 211 population. With 211 residents, Thedford outranks about 39% of the communities in Nebraska. The 2020 count to the 2023 estimate shows about 0.5% growth in Thedford. Lenders active in Thedford report to a Nebraska supervisor, identified in the sourced rows below. Use the calculator on this page to price an amount and term before you commit in Thedford. The nearest larger metro is Mullen, NE about 25 miles away.
What the Census records for Thedford
The figures below are Thedford's own — Census population, land area and coordinates — followed by the Nebraska rules.
- Population: an estimated 211 residents, 319th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 0.5% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
- Size percentile: bigger than about 39% of the places in Nebraska, with 211 residents in Thedford.
- Population density: about 879 people per square mile (Census land area 0.2 sq mi).
- Land area rank: Thedford's 0.2 square miles rank 398th of 527 places in Nebraska.
- Share of Nebraska: Thedford holds about 0.0% of the state's population, some 211 people.
- National rank: Thedford sits 16,320th by population among the 19,457 places in this dataset.
- Growth rank: Thedford's 2020-to-2023 change ranks 158th of 527 places in Nebraska.
- State comparison: Nebraska's places average -0.6% for 2020-to-2023, against Thedford's 0.5%.
- Density in Nebraska: Thedford ranks 251st by people per square mile.
- Against the state median: Thedford runs about 879 residents per square mile, where the Nebraska median is 830.
- Location: the Census Gazetteer records it at 41.9792, -100.5747.
- Nearest larger cities: Mullen (25 mi); Stapleton (35 mi); Arnold (43 mi); Ainsworth (54 mi); Merna (54 mi). Online lenders reach Thedford no matter how far the nearest branch is.
- Nearest smaller towns: Halsey (17 mi); Dunning (26 mi); Gandy (36 mi).
- Within a 50-mile radius: 7 smaller Census places.
- Within 100 miles: 44 places are larger than Thedford.
Land, water and location for Thedford
Thedford's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 879 people per square mile. The state's population centre of gravity, Omaha, is roughly 239 miles away. Within 50 miles of Thedford there are 3 larger Census places. Within the same 50 miles lie 7 smaller Census places.
Thedford against the rest of Nebraska
Within Nebraska, Thedford holds roughly 0.0% of all residents, the 319th-largest share among 527 places. On the 2020-to-2023 trend, Thedford stands 158th among Nebraska's 527 places — roughly the 70th percentile. At about 879 people per square mile, Thedford is the 251st most densely settled place in Nebraska. By land area, its 0.2 square miles rank 398th of 527 places in Nebraska.
Which Nebraska laws govern a loan in Thedford
Read the table as a lender's compliance picture for Thedford: 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 |
What is available to Thedford borrowers
At roughly 879 people per square mile, Thedford is moderately settled; 3 larger places lie within 50 miles. Lenders licensed in Nebraska reach Thedford's 211 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Mullen, NE about 25 miles away.
How a Thedford personal loan is priced
In Thedford, a small community of about 211, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Thedford's 211 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Thedford loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Halsey, NE — population 64
- Mullen, NE — population 461
- Dunning, NE — population 81
- Stapleton, NE — population 246
- Gandy, NE — population 31
- Arnold, NE — population 591
- Brewster, NE — population 8
- Wood Lake, NE — population 48