Nebraska voters approved Initiative 428 in 2020, capping payday-loan charges at 36% APR and ending the state's prior high-cost delayed-deposit product. Payday lenders can no longer operate profitably in the state. Short-term borrowers use credit-union and nonprofit alternatives.
Key limits in Nebraska
- Cost note: 36% APR cap
Figures can change — always confirm current limits with the official source below before borrowing.
Payday loans aren’t available in Nebraska. Here are options you can use instead:
- Credit-union payday alternative loans (PALs)
- Nonprofit emergency assistance programs
- Employer paycheck advances
- Payment plans with creditors
Source: Consumer Federation of America (paydayloaninfo.org) · last verified 2026-07-24 · pending second-source verification
This page is general information, not legal or financial advice. State laws change; verify current rules with your state regulator or the source above.