Nebraska Payday Loan Laws and Regulations in (NE)

(last updated 01/02/2018)
Payday loans and cash advances are legal in Nebraska. The Nebraska Department of Banking and Finance has been regulating Payday Loans and Cash Advances since 1994. As of 09/15/2015 there were 39 licensed lenders and 108 licensed locations in Nebraska.
 
The maximum payday loan allowed in Nebraska is $500. The maximum payday loan as a percentage of income is not specified. The number of loans that can be open at one time is 2. The maximum permissible fees allowed in Nebraska is $17.65 for a 14 day $100 loan, maximum APR of 459% on 14 day $100 loan. The cooling off or waiting period for obtaining another loan is not specified days. The number of rollovers that are permitted is 0 (cannot refinance or consolidate). The minimum loan term is not specified. The maximum loan term is 31 days.
 
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Nebraska, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Nebraska Department of Banking and Finance.
 
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Nebraska. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Nebraska Payday Lending Regulator (NE)

Regulating Authority
Nebraska Department of Banking and Finance
1526 K Street
Suite 300
Lincoln, NE 68508
(402) 471-2171
www.ndbf.ne.gov/index.shtml

Agency for Handling Complaints
The Nebraska Department of Banking and Finance
P.O. Box 95006
Lincoln , NE 68509-5006
(402) 471-2171
www.ndbf.ne.gov/consumers/complaint.shtml

 


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Flag of the State of Nebraska A winter ice storm roars across the plains, turning roads into hockey rinks. One tap of the brake pedal is all it takes to get in a minor fender bender. The damage isn’t major- just a cracked windshield and front bumper, but that means shelling out your $500 deductible. Sometimes that’s all it takes to make your finances slide off into the ditch. When your air conditioning quits working in the summer, or your water heater starts leaking, that’s a few hundred dollars that you weren't planning on spending. There are so many unforeseen expenses that can occur at any time of the year. Most of these situations would not be too big of a deal if we just had a little extra cash, but as you know, dollar bills don’t grow in corn fields.

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Nebraska Payday Loans (NE) by City

Alliance
Auburn
Aurora
Beatrice
Bellevue, NE
Blair
Broken Bow
Chadron
Columbus, NE
Cozad
Crete
Elkhorn
Fairbury
Falls City
Fremont, NE
Gering
Gothenburg
Grand Island, NE
Gretna
Hastings
Holdrege
Kearney
La Vista
Lexington
Lincoln
McCook
Nebraska City
Norfolk
North Platte
Ogallala
Omaha, NE
O'Neil
Papillion
Plattsmouth
Ralston
Schuyler
Scottsbluff
Seward
Sidney
South Sioux City
Wahoo
Waverly
Wayne
West Point
York

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