Personal loans in Elsie, NE
The roughly 103 people who live in Elsie borrow under Nebraska rules; city hall sets no personal-loan rate. Population in Elsie climbed about 1.0% over the three years from 2020 to 2023.
About 103 people live in Elsie, placing it 414th of 527 Census places in Nebraska. Work out your debt-to-income ratio first; lenders weigh it heavily, and Elsie's 103 residents are no exception. Lenders active in Elsie report to a Nebraska supervisor, identified in the sourced rows below. For a bigger market, look to Madrid, NE about 7 miles away.
Elsie by the numbers
Here is the sourced Census picture for Elsie, plus the Nebraska lending rules that apply to a loan taken out here.
- Population: a Census-estimated 103, 414th among Nebraska's 527 places (Vintage 2023).
- Population trend: A gain of roughly 1.0% between 2020 and 2023.
- Net change: roughly 1 more people than the 2020 Census counted.
- Size percentile: Elsie's 103 people outrank roughly 21% of the places in Nebraska.
- Population density: about 595 people per square mile (Census land area 0.2 sq mi).
- Land area rank: Elsie's 0.2 square miles rank 445th of 527 places in Nebraska.
- State share: roughly 0.0% of Nebraska's residents live in Elsie (103 people).
- National rank: Elsie is the 18,078th most populous of the 19,457 Census places covered here.
- Growth rank: Elsie's 2020-to-2023 change ranks 124th of 527 places in Nebraska.
- State comparison: Nebraska's places average -0.6% for 2020-to-2023, against Elsie's 1.0%.
- Density rank: Elsie places 352nd among Nebraska's places by people per square mile.
- Density in context: Elsie's 595 people per square mile sit against a Nebraska median of 830.
- Location: coordinates 40.8472, -101.3892 (US Census Bureau Gazetteer).
- Nearest larger cities: Madrid (7 mi); Wallace (12 mi); Grant (18 mi); Paxton (19 mi); Sutherland (26 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Hamlet (33 mi); Wellfleet (35 mi); Lamar (36 mi).
- Smaller places within 50 miles: 3 of them.
- Within 100 miles: 80 places are larger than Elsie.
What a Elsie borrower is actually offered
With roughly 103 residents, Elsie is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Elsie's 103 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Elsie loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Elsie sits
The Census Gazetteer records about 0.2 square miles of land within Elsie, with no significant water area listed. Spread across it are roughly 595 residents per square mile. Omaha, the largest place in Nebraska, is about 279 miles from Elsie. Within 50 miles of Elsie there are 20 larger Census places. By land area it ranks 445th of 527 Nebraska places.
What Nebraska law requires in Elsie
Below are the Nebraska rules that apply to a loan made in Elsie, 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 |
| 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 Elsie borrowers
Elsie is moderately settled, with about 595 people per square mile and 20 larger places within 50 miles. What is available to Elsie's 103 borrowers is set by Nebraska licensing and your own credit, not by how many branches are nearby. The nearest larger city, Madrid, NE about 7 miles away.
Elsie's place among Nebraska's 527 places
Within Nebraska, Elsie holds roughly 0.0% of all residents, the 414th-largest share among 527 places. For population change between 2020 and 2023, Elsie ranks 124th of 527 in Nebraska (about the 76th percentile). At about 595 people per square mile, Elsie is the 352nd most densely settled place in Nebraska. In land area, Elsie ranks 445th among Nebraska's 527 places.
Common questions
What are my options in Elsie if my credit is poor?
What loan size can I expect in Elsie?
Do I have to pledge anything to borrow in Elsie?
Does comparing loans in Elsie cost me credit score points?
Nearby places
- Madrid, NE — population 231
- Wallace, NE — population 302
- Paxton, NE — population 511
- Grant, NE — population 1,136
- Sutherland, NE — population 1,233
- Imperial, NE — population 1,969
- Wauneta, NE — population 523
- Ogallala, NE — population 4,680