Personal loans in Merriman, NE
In Merriman, one of 527 Census places in Nebraska, the figure to compare across lenders is the APR, not the advertised rate. The Census estimates 88 residents in Merriman, which ranks it 429th of 527 places in Nebraska.
From the 2020 Census base to the 2023 estimate, the population rose by about 1.1%. For a community of about 88, the practical step is to compare APR across at least three lenders before committing. The nearest larger metro is Martin, SD about 17 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Merriman's 88 residents.
Where Merriman stands
Merriman is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 88 residents, 429th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 1.1% since the 2020 count.
- People gained or lost: about 1 more since the 2020 base.
- Size percentile: about 19% of Nebraska communities are smaller than Merriman (88 residents).
- Population density: about 86 people per square mile (Census land area 1.0 sq mi).
- Land area: Merriman covers 1.0 square miles, the 103rd-largest area among Nebraska's 527 places.
- State population share: Merriman accounts for about 0.0% of everyone in Nebraska.
- Nationally: Merriman is the 18,344th-largest of 19,457 Census places in the dataset.
- Growth in Nebraska: Merriman stands 110th by percentage change from 2020 to 2023, among 527 places.
- Against the state trend: Merriman's 1.1% change compares with a Nebraska average of -0.6% across its 527 places.
- Density rank: Merriman is the 519th most densely settled place in Nebraska.
- Density in context: Merriman's 86 people per square mile sit against a Nebraska median of 830.
- Location: mapped by the US Census Bureau at 42.9230, -101.6997.
- Nearest larger cities: Martin (17 mi); Cody (23 mi); Gordon (27 mi); Rushville (41 mi); St. Francis (43 mi). Larger metros often have more branches, but online lenders reach Merriman on the same terms.
- Smaller towns nearby: Batesland (25 mi); Nenzel (30 mi); Clinton (35 mi).
- Smaller neighbours: 5 places smaller than Merriman sit within 50 miles.
- Larger places within 100 miles: 30.
Inside a Merriman personal loan
Merriman is a small community of about 88 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Merriman can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Merriman loan is knowable in advance — unlike a revolving card balance.
The Nebraska lending rules that reach Merriman
When Nebraska does not publish a figure, the row links to the source instead of inventing a number; Merriman is bound by the same rules.
| 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 |
How Merriman compares across Nebraska
Within Nebraska, Merriman holds roughly 0.0% of all residents, the 429th-largest share among 527 places. For population change between 2020 and 2023, Merriman ranks 110th of 527 in Nebraska (about the 79th percentile). At about 86 people per square mile, Merriman is the 519th most densely settled place in Nebraska. The population moved by about 1 people between 2020 and 2023, a 1.1% shift.
What is available to Merriman borrowers
With about 86 residents per square mile, Merriman is sparsely settled, and 5 larger Census places sit within 50 miles. Lenders licensed in Nebraska reach Merriman's 88 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Martin, SD about 17 miles away.
Where Merriman sits
Merriman's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. With 88 residents, the land area yields roughly 86 people per square mile. The state's population centre of gravity, Omaha, is roughly 311 miles away. Merriman has 5 larger places within a 50-mile radius. The 100-mile radius contains 30 larger places.
Common questions
What are my options in Merriman if my credit is poor?
What loan size can I expect in Merriman?
Do I have to pledge anything to borrow in Merriman?
Does comparing loans in Merriman cost me credit score points?
Nearby places
- Martin, SD — population 926
- Batesland, SD — population 73
- Cody, NE — population 167
- Gordon, NE — population 1,444
- Nenzel, NE — population 17
- Clinton, NE — population 38
- Kilgore, NE — population 68
- Rushville, NE — population 784