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Payday loan laws in Nebraska

  • Status: Legal (Neb. Stat. Ann. §§ 45-901)
For Lenders

Lending specifications:

  • Maximum loan amount: $500
  • Loan tenure: Not more than 34 days
  • Fees and finance charges: $15 on every $100 borrowed
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%

Collection restrictions:

  • Collection fees: $15 NSF fee
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: None (cannot charge fee for extension)

Complaint cell:

  • Regulator: Nebraska Department of Banking & Finance (NDB&F)
  • Address: Financial Institutions Division, Commerce Court, Ste. 400, 1230 'O' Street, Lincoln, NE 68508-1402
  • Phone: (402)471-2171
  • Consumer hotline: (877) 471-3445
  • Regulatory contact: Karen Reynolds, Review Examiner
  • Website: http://www.ndbf.ne.gov/index.shtml
  • File complaint: http://www.ndbf.org/forms/cptf.pdf



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