Personal loans in Tobias, NE
At about 114 residents, Tobias is larger than roughly 24% of the places in Nebraska. Personal loans in Tobias are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 114 population.
The 2020 count to the 2023 estimate shows about 2.6% decline in Tobias. Judge Tobias offers on total cost, not on how quickly the money arrives. For the 114 people in Tobias, Nebraska runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The next larger city is Ohiowa, NE about 6 miles away.
Local context for Tobias
The figures below are Tobias's own — Census population, land area and coordinates — followed by the Nebraska rules.
- Population: about 114 people live here, which puts Tobias 399th of 527 Census places in Nebraska (Vintage 2023).
- Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 3 fewer since the 2020 base.
- Size percentile: roughly 24% of Nebraska places rank below Tobias.
- Population density: 435 people per square mile on 0.3 square miles of land.
- Land area rank: Tobias's 0.3 square miles rank 374th of 527 places in Nebraska.
- State share: roughly 0.0% of Nebraska's residents live in Tobias (114 people).
- National rank: Tobias sits 17,889th by population among the 19,457 places in this dataset.
- Growth in Nebraska: Tobias stands 414th by percentage change from 2020 to 2023, among 527 places.
- Against the state trend: Tobias's 2.6% change compares with a Nebraska average of -0.6% across its 527 places.
- Density rank: Tobias places 394th among Nebraska's places by people per square mile.
- Against the state median: Tobias runs about 435 residents per square mile, where the Nebraska median is 830.
- Location: mapped by the US Census Bureau at 40.4185, -97.3366.
- Nearest larger cities: Ohiowa (6 mi); Milligan (6 mi); Daykin (7 mi); Western (7 mi); Alexandria (12 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Strang (13 mi); Swanton (14 mi); Belvidere (16 mi).
- Smaller neighbours: 36 places smaller than Tobias sit within 50 miles.
- Larger places within 100 miles: 293.
Borrowing reach in Tobias
At roughly 435 people per square mile, Tobias is lightly settled; 77 larger places lie within 50 miles. What is available to Tobias's 114 borrowers is set by Nebraska licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Ohiowa, NE about 6 miles away.
Where Tobias sits
Tobias's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 435 people per square mile. The largest place in Nebraska, Omaha, lies about 89 miles away. Tobias has 77 larger places within a 50-mile radius. Within the same 50 miles lie 36 smaller Census places.
How a Tobias personal loan is priced
In Tobias, a small community of about 114, 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 Tobias can be quoted different APRs on the same amount and term. Shortening the term on a Tobias loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Tobias in state context
Set beside Nebraska's 527 places, Tobias ranks 399th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 414th of 527 Nebraska places, putting it near the 21th percentile for growth. By density, at about 435 people per square mile, it ranks 394th in Nebraska. In land area, Tobias ranks 374th among Nebraska's 527 places.
The state rulebook for Tobias
Nebraska has no separate rate rule for Tobias; the sourced rows below are what reach every lender that serves its 114 people.
| 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 |
| 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 |
| 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 |
Common questions
What are my options in Tobias if my credit is poor?
What loan size can I expect in Tobias?
Do I have to pledge anything to borrow in Tobias?
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Nearby places
- Milligan, NE — population 248
- Daykin, NE — population 152
- Ohiowa, NE — population 122
- Western, NE — population 222
- Alexandria, NE — population 139
- Friend, NE — population 927
- Bruning, NE — population 272
- Strang, NE — population 32