Personal loans in Stapleton, NE

Lenders active in Stapleton report to a Nebraska supervisor, identified in the sourced rows below.

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.

Stapleton, Nebraska — home to about 246 people — is a small community, so the terms you are offered follow Nebraska law rather than any local rule. An estimated 246 people make their home in Stapleton, a figure that ranks 299th in Nebraska. Stapleton lost roughly 8.6% of its population across the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help Stapleton residents before they take on more. The nearest larger metro is Arnold, NE about 17 miles away.

Stapleton: the sourced local profile

What follows is Stapleton's place in the Census record, alongside the Nebraska rules that govern a personal loan made here.

Stapleton against the rest of Nebraska

Stapleton is the 299th-largest of 527 Census places in Nebraska and contains about 0.0% of the state's people. For population change between 2020 and 2023, Stapleton ranks 525th of 527 in Nebraska (about the 0th percentile). At about 980 people per square mile, Stapleton is the 207th most densely settled place in Nebraska. Within 50 miles sit 7 smaller Census places, alongside the 11 that are larger.

How lenders reach Stapleton

With about 980 residents per square mile, Stapleton is moderately settled, and 11 larger Census places sit within 50 miles. A Nebraska licence lets a lender serve Stapleton without a local office, so branch density does not change what its 246 residents are offered. The nearest bigger place is Arnold, NE about 17 miles away.

What a Stapleton borrower is actually offered

A Stapleton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 246 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Stapleton. Shortening the term on a Stapleton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Stapleton sits

Stapleton covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 246 residents, the land area yields roughly 980 people per square mile. For the state's biggest city, Omaha, the distance is roughly 232 miles. A 50-mile radius around Stapleton takes in 11 places that are larger. Within the same 50 miles lie 7 smaller Census places.

What Nebraska law requires in Stapleton

For the roughly 246 residents of Stapleton, 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
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
Small-loan / installment lender licensingDelayed 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

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 Stapleton 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 Stapleton is the same as anywhere in Nebraska.
What loan size can I expect in Stapleton?
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 Stapleton?
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 Stapleton 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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