Personal loans in Wakefield, NE

With an estimated 1,507 residents, Wakefield is the 74th-largest of 527 places in Nebraska. Population in Wakefield dropped about 1.3% over the three years from 2020 to 2023.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

If you are weighing a personal loan in Wakefield, start from the payment you can carry; its 1,507 residents face the same statewide rules. Every figure below is Nebraska's own, applied to Wakefield's 1,507 residents, with the publisher and retrieval date attached. Rate-shopping from Wakefield costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Borrowers who want a bigger city can look to Wayne, NE about 8 miles away.

Wakefield: population, trend and location

Two layers matter for a Wakefield borrower: the local population picture and Nebraska's consumer-lending statutes.

Wakefield on the map

The Census Gazetteer records 1.1 square miles of land and 0.07 square miles of water within Wakefield. That land carries about 1,419 people per square mile. Omaha, the largest place in Nebraska, is about 81 miles from Wakefield. Counting outward 50 miles, 18 larger communities surround Wakefield. Within the same 50 miles lie 78 smaller Census places.

How lenders reach Wakefield

Wakefield is a moderately settled community of about 1,507 people, with 18 larger places inside a 50-mile radius. Distance to a branch rarely matters for Wakefield's 1,507 residents: the application is online and the price follows your credit file. The nearest bigger place is Wayne, NE about 8 miles away.

Wakefield against the rest of Nebraska

Wakefield is the 74th-largest of 527 Census places in Nebraska and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 311th of 527 Nebraska places, putting it near the 41th percentile for growth. Its roughly 1,419 residents per square mile place it 102nd among Nebraska's places. In land area, Wakefield ranks 96th among Nebraska's 527 places.

What Nebraska law requires in Wakefield

For the roughly 1,507 residents of Wakefield, the rules below are Nebraska's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorNebraska 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 statusCapped 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 shapes a Wakefield personal loan

In Wakefield, a small community of about 1,507, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Wakefield can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Wakefield loan is knowable in advance — unlike a revolving card balance.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Wakefield if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Wakefield is the same as anywhere in Nebraska.
What loan size can I expect in Wakefield?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Wakefield?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Wakefield cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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