Installment Loans in Nebraska

Lending rules in Nebraska

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

Payday loans (deferred presentment)

• No one may operate a delayed deposit (payday) business or make a delayed deposit transaction in Nebraska without a license from the Director, and an unlicensed transaction is void. Source: Neb. Rev. Stat. § 45-904 · verified Oct 9, 2026 · medium confidence
• A delayed deposit licensee may not charge an annual percentage rate above 36 percent, and a transaction made above that rate is void. Source: Neb. Rev. Stat. § 45-918(1) · verified Oct 9, 2026 · medium confidence
• A licensee may not hold more than two checks from any one maker at one time. Source: Neb. Rev. Stat. § 45-919(1)(a) · verified Oct 9, 2026 · medium confidence
• A licensee may not hold checks from one maker with an aggregate face amount above $500 at one time. Source: Neb. Rev. Stat. § 45-919(1)(b) · verified Oct 9, 2026 · medium confidence
• A licensee may not hold, or agree to hold, a check for more than 34 days. Source: Neb. Rev. Stat. § 45-919(1)(c) · verified Oct 9, 2026 · medium confidence
• A licensee may not renew, roll over, defer or extend a delayed deposit transaction by letting the maker pay less than the total amount of the check and fees, and may not take a check to repay another one it holds. Source: Neb. Rev. Stat. § 45-919(1)(e)-(f) · verified Oct 9, 2026 · medium confidence

Lenders in Nebraska are licensed by the Nebraska Department of Banking and Finance (DBF). You can look up any license in its license search. See also online lenders and apps in Nebraska.