Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Compare your loan options in Lincoln, Nebraska

Learn how the state regulates payday loans and where to apply.

Editor's choice: OppLoans Installment Loans

  • Easy online application
  • Quick approval
  • Long repayment terms
Go to site

Financial struggles can hang like a dark cloud over your head. When you're hit with an emergency on top of those struggles, it can quickly become overwhelming. Go through this guide to find out what a payday loan will involve for residents of Lincoln.

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
Get up to $100 per day or $750 per pay period.
1 to 3 business days, or same-day for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest, and no credit checks. Subject to EarnIn terms & conditions
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Up to $250
2–3 business days or instant for a fee
Checking account 2+ months old receiving direct deposit, 2+ months working for the same employer, positive account balance, most recent paycheck was on-time, funds still available in bank account 24 hours after most recent payday.
Get up to $250 overdraft protection if you sign up for Albert's banking app.
Up to $250
1 to 3 business days or instantly with a fee
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $8.99 membership fee.
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
Get up to $100 per day or $750 per pay period.
1 to 3 business days, or same-day for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest, and no credit checks. Subject to EarnIn terms & conditions
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Up to $250
2–3 business days or instant for a fee
Checking account 2+ months old receiving direct deposit, 2+ months working for the same employer, positive account balance, most recent paycheck was on-time, funds still available in bank account 24 hours after most recent payday.
Get up to $250 overdraft protection if you sign up for Albert's banking app.
Up to $250
1 to 3 business days or instantly with a fee
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $8.99 membership fee.
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
loading

What Nebraska laws apply to payday loans in Lincoln?

Under the Nebraska Statutes Annotated §§ 45-901, you can borrow up to $500 from a lender in Lincoln. There is a financing fee of $15 per $100, and you may have no more than two outstanding loans at any time. This applies whether you borrow from an online lender or one with a local storefront.

Our page on Nebraska law has more information on payday loans

How to apply for a short-term loan in Lincoln, Nebraska

Before you apply, you’ll need to be at least 18 years old, have a regular source of income and be a citizen or permanent resident of the US.

  1. Find a lender on the table above and click Go to Site
  2. Fill out the application, including things like your Social Security number
  3. Enter information about your employment and monthly income
  4. Submit your application and wait to see if you’re approved
  5. If you’re offered a loan contract, read it carefully for terms

If you aren’t offered a loan, consider these alternatives

Loan factors to compare when applying

  • Is bad credit accepted? Lenders use more than just your credit when determining if you qualify for a loan. Even if you have bad credit, you may still qualify to borrow money based on your current financial situation and your gross monthly income.
  • Available online or in-store? Whether you want to visit a storefront or are content applying for a loan on a computer, you have plenty of options to choose from.Check our loan table for your online options or see the map below for where you can go to apply in the city of Lincoln.
  • What’s the turnaround time? Short-term lenders don’t follow the same stringent lending criteria as banks and other loan providors, so they tend to process loan applications faster. When you apply in-store, you may be able to get your loan on the same day. If you decide to visit an online lender, you should receive your loan as soon as the next business day.

Joe's cat needs expensive surgery

Imagine this scenario: Joe hadn’t been working long when his cat needed an emergency surgery. He’d never had a credit card and wasn’t sure of the process, but when he learned that his lack of credit history would likely end in rejection, Joe decided to opt for a payday loan.

He visited a lender’s storefront near his work and applied for a loan of $400. The contract stated he’d need to repay $460 within two weeks. Joe knew he could handle the fees and left a post-dated check with his lender. It was cashed on the due date with no problems, and Joe was able to get his cat the surgery she needed and stay out of long-term debt.

Short-term loan lenders in Lincoln, Nebraska

Visit these locations for in-store loan applications

  • Advance America. 4718 O St, Lincoln, NE 68504
  • Advanced Cash. 4718 O St, Lincoln, NE 68504
  • Cash Solutions. 3223 Cornhusker Hwy # A, Lincoln, NE 68504
  • Check Into Cash. 4451 N 26th St #200, Lincoln, NE 68521
  • Check ‘n Go. 2911 O St, Lincoln, NE 68510
  • EZ Money Check Cashing. 233 N 48th St, Lincoln, NE 68504
  • Paycheck Advance. 101 N 27th St, Lincoln, NE 68503
  • Red D Cash. Belmont Shopping Center, 2601 N 11th St #3, Lincoln, NE 68521
  • Steve’s Payday Loans 7121 A St #100, Lincoln, NE 68506

How much it costs to borrow in Lincoln

Nebraska law allows lenders to charge $15 per $100 borrowed. This means if you borrow a small loan of $100, you’ll have to pay back $115 when the loan is due. Larger loans of $500 cost $75 in fees. This amount doesn’t include database fees, late fees or any other charges specified in your loan contract. In order to know the full potential amount you may have to pay, you’ll want to read over the terms of your loan carefully before you sign.

More guides on Finder

Ask a Question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site