Personal loans in Valentine, NE

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Valentine loan. For practical purposes, Valentine's population was stable from the 2020 base to the 2023 estimate. Consumer lending that reaches Valentine's 2,631 residents is governed by Nebraska statute; no city ordinance changes it. The next larger city is Winner, SD about 49 miles away.

The Valentine data picture

Valentine is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 2,631 residents, 51st of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
• Population trend: Stable from the 2020 base to 2023.
• Size percentile: about 90% of Nebraska's Census places are smaller than Valentine.
• Land and density: 2.6 square miles of land carry roughly 998 residents per square mile.
• By land area: Valentine ranks 41st among Nebraska's 527 places, at 2.6 sq mi.
• Water area rank: Valentine ranks 48th among Nebraska's 527 places, with 0.01 sq mi.
• Share of Nebraska: Valentine holds about 0.2% of the state's population, some 2,631 people.
• National rank: Valentine sits 6,686th by population among the 19,457 places in this dataset.
• Growth rank: Valentine's 2020-to-2023 change ranks 180th of 527 places in Nebraska.
• Against the state trend: Valentine's 0.0% change compares with a Nebraska average of -0.6% across its 527 places.
• Density rank: Valentine is the 203rd most densely settled place in Nebraska.
• Density vs Nebraska: Valentine's 998 people per square mile compare with a state median of 830.
• Location: 42.8755, -100.5471 (Census Gazetteer coordinates).
• Nearest larger cities: Winner (49 mi); O'Neill (101 mi); Pierre (104 mi); Broken Bow (112 mi). Living near a larger metro rarely changes what is available in Valentine.
• Smaller towns nearby: Crookston (11 mi); Kilgore (21 mi); Wood Lake (23 mi).
• Within a 50-mile radius: 16 smaller Census places.
• At 100 miles: 1 larger Census places fall inside that radius.

Valentine's place among Nebraska's 527 places

Valentine is the 51st-largest of 527 Census places in Nebraska and contains about 0.2% of the state's people. For population change between 2020 and 2023, Valentine ranks 180th of 527 in Nebraska (about the 66th percentile). By density, at about 998 people per square mile, it ranks 203rd in Nebraska. The population moved by about 1 people between 2020 and 2023, a 0.0% shift.

Nebraska rules behind a Valentine personal loan

Every row below records a Nebraska rule, its publisher and its retrieval date — the same rules a Valentine lender must follow.

How personal loans work in Valentine

A Valentine personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,631 residents. Because pricing is borrower-level, two people in Valentine can be quoted different APRs on the same amount and term. The term you choose in Valentine decides the split between a comfortable payment and the total interest you pay.

Valentine on the map

Valentine covers about 2.6 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 998 people per square mile. For the state's biggest city, Omaha, the distance is roughly 256 miles. Valentine has 1 larger places within a 50-mile radius. Within the same 50 miles lie 16 smaller Census places.

The Valentine borrowing checklist

For Valentine's roughly 2,631 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Nebraska regulator's records to confirm the lender is licensed here.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Valentine as elsewhere in Nebraska, the written terms — not the advertisement — are what count for its 2,631 residents.