Nebraska Personal Loan Laws and Regulations (NE)

(last updated 11/13/2019)

Personal loans; credit cards; interest; service fee; fee in lieu of interest.

Subject to the provisions of sections 8-815 to 8-829, any bank may contract for and receive, on any personal loan, charges at a rate not exceeding nineteen percent simple interest per year. In the case of loans initiated by credit card or other type of transaction card, the rate may be any amount agreed to by the parties. Any bank acquired pursuant to sections 8-1512 and 8-1513 may also charge commercially reasonable fees for service and use of a credit card or other type of transaction card on a per transaction and monthly or annual basis. For purposes of this section, section 85 of the National Bank Act, 12 U.S.C. 85, and section 522 of the Depository Institutions Deregulation and Monetary Control Act of 1980, 12 U.S.C. 1831d, all interest, charges, fees, and other amounts permitted under sections 8-815 to 8-829 for loans initiated by credit card or other type of transaction card shall be deemed to be, and may be charged and collected as, interest by the bank, and all other terms and conditions of the agreement between the bank and the borrower that are not prohibited by such sections shall be deemed material to the determination of interest. Notwithstanding the provisions of this section, in the case of loans not initiated by credit card or other type of transaction card, a bank may charge a minimum fee of up to seven dollars and fifty cents in lieu of interest on personal loans and reasonable loan service costs as defined in subdivision (2) of section 45-101.02. Such loan service costs shall not be construed as interest.
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 Personal Loan Lending Regulator (NE)

Regulating Authority
Nebraska Department of Banking and Finance
1526 K Street
Suite 300
Lincoln, NE 68508
(402) 471-2171

Agency for Handling Complaints
The Nebraska Department of Banking and Finance
P.O. Box 95006
Lincoln , NE 68509-5006
(402) 471-2171


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