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What Nebraska law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Payday loans[1][2][3] | Allowed | 36% APR | Up to $500 | Up to 34 days | Delayed Deposit Services | Neb. Rev. Stat. 45-901 to 45-931; 45-918 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.
The rules in full
Payday loans
- Rate cap
- "A licensee shall not impose an annual percentage rate greater than thirty-six percent in connection with a delayed deposit transaction." This 36% APR cap was enacted by ballot Initiative 428 (approved November 2020), amending the Delayed Deposit Services Licensing Act, effectively ending traditional high-fee payday lending in the state while leaving the licensing framework itself in place.
- Fees
- All charges must be included within the 36% APR cap; a transaction violating the cap is void and the licensee forfeits all principal, interest, and fees. Separate military fee limits apply per 10 U.S.C. 987 for active-duty members, spouses, and dependents.
- License
- Delayed Deposit Services (DDS) license.
Full detail for every loan type: Nebraska lending laws.
Help in Nebraska
Money snapshot for Nebraska
Other options in Nebraska
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Nebraska: allowed under Nebraska law; see its limits and license rules.
- Installment loans in Nebraska: allowed under Nebraska law; see its limits and license rules.
- Personal loans in Nebraska: allowed under Nebraska law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Nebraska.
Payday loans in nearby states
- South DakotaAllowed 36% APR
- KansasAllowed Fee cap
- IowaAllowed Fee cap
- ColoradoAllowed 36% APR
- WyomingAllowed Cap set in statute
Sources
- nebraskalegislature.gov. Neb. Rev. Stat. 45-901 to 45-931. Retrieved September 23, 2026.
- ndbf.nebraska.gov. Nebraska Department of Banking and Finance (NDBF). Retrieved September 23, 2026.
- ndbf.nebraska.gov/about/legal/delayed-deposit-services-licensing-act. Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Nebraska. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Nebraska. Each lender sets its own rates and terms and must show you the APR before you sign.
Representative example
- Amount borrowed
- $500
- Annual percentage rate (APR)
- 36%
- Repayment
- 1 payment after 34 days
- Payment
- $516.77
- Finance charge
- $16.77
- Total of payments
- $516.77
Example: a $500 payday loan at 36% APR repaid in 1 payment after 34 days costs $516.77, including a finance charge of $16.77. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.
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- Questions about a lender licensed in Nebraska? Contact the Nebraska Department of Banking and Finance (NDBF) or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.