Personal loans in Wakefield, NE
With an estimated 1,507 residents, Wakefield is the 74th-largest of 527 places in Nebraska. Population in Wakefield dropped about 1.3% over the three years from 2020 to 2023.
If you are weighing a personal loan in Wakefield, start from the payment you can carry; its 1,507 residents face the same statewide rules. Every figure below is Nebraska's own, applied to Wakefield's 1,507 residents, with the publisher and retrieval date attached. Rate-shopping from Wakefield costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Borrowers who want a bigger city can look to Wayne, NE about 8 miles away.
Wakefield: population, trend and location
Two layers matter for a Wakefield borrower: the local population picture and Nebraska's consumer-lending statutes.
- Population: a Census-estimated 1,507, 74th among Nebraska's 527 places (Vintage 2023).
- Population trend: A drop of about 1.3% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 20 residents.
- Size percentile: roughly 86% of Nebraska's places have fewer residents than Wakefield's 1,507.
- Population density: about 1,419 people per square mile (Census land area 1.1 sq mi).
- Land area: Wakefield covers 1.1 square miles, the 96th-largest area among Nebraska's 527 places.
- Water area rank: Wakefield ranks 19th among Nebraska's 527 places, with 0.07 sq mi.
- Within Nebraska: about 0.1% of the state's population lives in Wakefield.
- National rank: Wakefield is the 8,670th most populous of the 19,457 Census places covered here.
- Growth rank: Wakefield's 2020-to-2023 change ranks 311th of 527 places in Nebraska.
- State comparison: Nebraska's places average -0.6% for 2020-to-2023, against Wakefield's 1.3%.
- Density rank: Wakefield is the 102nd most densely settled place in Nebraska.
- Density in context: Wakefield's 1,419 people per square mile sit against a Nebraska median of 830.
- Location: the Census Gazetteer records it at 42.2667, -96.8629.
- Nearest larger cities: Wayne (8 mi); Dakota City (25 mi); North Sioux City (26 mi); South Sioux City (27 mi); Sergeant Bluff (28 mi). Living near a larger metro rarely changes what is available in Wakefield.
- Nearest smaller towns: Emerson (7 mi); Allen (10 mi); Concord (10 mi) — useful context for the surrounding area.
- Smaller neighbours: 78 places smaller than Wakefield sit within 50 miles.
- At 100 miles: 73 larger Census places fall inside that radius.
Wakefield on the map
The Census Gazetteer records 1.1 square miles of land and 0.07 square miles of water within Wakefield. That land carries about 1,419 people per square mile. Omaha, the largest place in Nebraska, is about 81 miles from Wakefield. Counting outward 50 miles, 18 larger communities surround Wakefield. Within the same 50 miles lie 78 smaller Census places.
How lenders reach Wakefield
Wakefield is a moderately settled community of about 1,507 people, with 18 larger places inside a 50-mile radius. Distance to a branch rarely matters for Wakefield's 1,507 residents: the application is online and the price follows your credit file. The nearest bigger place is Wayne, NE about 8 miles away.
Wakefield against the rest of Nebraska
Wakefield is the 74th-largest of 527 Census places in Nebraska and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 311th of 527 Nebraska places, putting it near the 41th percentile for growth. Its roughly 1,419 residents per square mile place it 102nd among Nebraska's places. In land area, Wakefield ranks 96th among Nebraska's 527 places.
What Nebraska law requires in Wakefield
For the roughly 1,507 residents of Wakefield, the rules below are Nebraska's own; each row carries its publisher and retrieval date.
| 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 shapes a Wakefield personal loan
In Wakefield, a small community of about 1,507, 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 Wakefield can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Wakefield loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Wakefield if my credit is poor?
What loan size can I expect in Wakefield?
Do I have to pledge anything to borrow in Wakefield?
Does comparing loans in Wakefield cost me credit score points?
Nearby places
- Emerson, NE — population 806
- Wayne, NE — population 6,165
- Allen, NE — population 354
- Concord, NE — population 120
- Thurston, NE — population 115
- Dixon, NE — population 78
- Pender, NE — population 1,053
- Waterbury, NE — population 72