Personal loans in Carroll, NE
About 186 people live in Carroll, placing it 339th of 527 Census places in Nebraska. Carroll counts about 186 people, and what is genuinely local about borrowing here is limited — Nebraska law does the governing.
The 2020 count to the 2023 estimate shows about 1.6% decline in Carroll. Decide the purpose of the loan and your repayment plan before sharing any details with a Carroll lender. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Carroll's 186 residents. The closest larger place is Winside, NE about 7 miles away.
Carroll: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Nebraska rules a lender must follow — and they are below.
- Population: 186 — Carroll ranks 339th of 527 communities in Nebraska (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.6% since the 2020 count.
- Net change: roughly 3 fewer people than the 2020 Census counted.
- Size percentile: Carroll sits ahead of around 36% of Nebraska places, at 186 people.
- Density: roughly 1,224 residents per square mile, spread over 0.2 sq mi of land.
- Land area: Carroll covers 0.2 square miles, the 465th-largest area among Nebraska's 527 places.
- Share of state population: Carroll's 186 residents are about 0.0% of Nebraska.
- National standing: Carroll ranks 16,682nd of 19,457 US places.
- Growth rank: Carroll ranks 336th among Nebraska's 527 places for the 2020-to-2023 change.
- Versus Nebraska: the state average change is -0.6%, while Carroll moved 1.6%.
- Density rank: Carroll is the 129th most densely settled place in Nebraska.
- Against the state median: Carroll runs about 1,224 residents per square mile, where the Nebraska median is 830.
- Location: 42.2758, -97.1909 (US Census Bureau Gazetteer).
- Nearest larger cities: Winside (7 mi); Wayne (10 mi); Randolph (11 mi); Laurel (12 mi); Hoskins (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Sholes (7 mi); Belden (9 mi); Concord (13 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 26 smaller Census places.
- Within 100 miles: 277 places are larger than Carroll.
Land, water and location for Carroll
Carroll covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,224 people per square mile. The largest place in Nebraska, Omaha, lies about 91 miles away. Carroll has 65 larger places within a 50-mile radius. Within the same 50 miles lie 26 smaller Census places.
How Carroll compares across Nebraska
Set beside Nebraska's 527 places, Carroll ranks 339th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 336th of 527 Nebraska places, putting it near the 36th percentile for growth. At about 1,224 people per square mile, Carroll is the 129th most densely settled place in Nebraska. In land area, Carroll ranks 465th among Nebraska's 527 places.
How personal loans work in Carroll
A Carroll personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 186 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Carroll. Shortening the term on a Carroll loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Nebraska rules behind a Carroll personal loan
Below are the Nebraska rules that apply to a loan made in Carroll, each with the regulator that issued it.
| 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 |
Getting a loan in Carroll
At roughly 1,224 people per square mile, Carroll is moderately settled; 65 larger places lie within 50 miles. Whether Carroll has a local branch or not, a Nebraska-licensed lender can serve its 186 people online on the same terms. The nearest bigger place is Winside, NE about 7 miles away.
Common questions
What are my options in Carroll if my credit is poor?
What loan size can I expect in Carroll?
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Does comparing loans in Carroll cost me credit score points?
Nearby places
- Winside, NE — population 372
- Sholes, NE — population 17
- Belden, NE — population 111
- Laurel, NE — population 948
- Wayne, NE — population 6,165
- Randolph, NE — population 877
- Hoskins, NE — population 272
- Concord, NE — population 120