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NE · LOAN-AGMT · Updated July 2026 · Free

Nebraska Loan Agreement

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Nebraska at a glance: Usury Cap: 16% per year (Neb. Rev. Stat. § 45-101.03) · Default Interest: 6% (Neb. Rev. Stat. § 45-102) · Governing Law: Nebraska Statutes Chapter 45

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Overview

Loan Agreements in Nebraska

Nebraska caps interest rates on personal loans at 16% per year under Nebraska Statutes Section 45-101.03.
Key Facts

Nebraska Loan Agreement — Quick Reference

RequirementNebraska Rule
Usury Cap16% per year (Neb. Rev. Stat. § 45-101.03)
Default Interest6% (Neb. Rev. Stat. § 45-102)
Governing LawNebraska Statutes Chapter 45
Legal Requirements

Nebraska Legal Requirements

  • Interest rates must not exceed 16% per annum.
Governing Laws

Nebraska Governing Laws

Neb. Rev. Stat. § 45-101.03
Interest Cap
Establishes 16% maximum interest rate.

Read the full text of these laws at Cornell Law School's Nebraska legal resources or your state legislature's official website.

Questions & Answers

Nebraska Loan Agreement — Frequently Asked Questions

Are loans over $25,000 exempt from Nebraska's usury law?

Yes, loans over $25,000 made by state banks or federally-regulated lenders are exempt.