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Usury Laws in Nebraska

In Nebraska, the general maximum agreed rate is 16% a year, and the legal rate is 6% when no greater rate is contracted for.

Last checked . General information, not legal advice.

Nebraska at a glance

Maximum agreed rate
16%
Legal rate (no rate agreed)
6%
Judgment interest is 2 points above the 26-week Treasury bill bond investment yield (Neb. Rev. Stat. 45-103).

Sources

Last checked

The rules in Nebraska

What is the maximum interest rate on a private loan in Nebraska?

Maximum agreed rate in Nebraska: 16%.

What interest rate applies in Nebraska when no rate was agreed?

Legal rate (no rate agreed) in Nebraska: 6%. Judgment interest is 2 points above the 26-week Treasury bill bond investment yield (Neb. Rev. Stat. 45-103).

Where do the Nebraska usury laws come from?

The rules above come from Neb. Rev. Stat. 45-101.03, Neb. Rev. Stat. 45-102 and Neb. Rev. Stat. 45-103. Each source is linked on this page. We last checked them in October 2026.

What this means in practice

Put the interest rate in writing. Many usury statutes set one limit for written agreements and a different, often lower, rate when nothing was agreed in writing. A signed promissory note or loan agreement that states the rate, the payment schedule and what happens on late payment avoids most disputes.

Count every charge, not only the stated rate. Courts may treat fees, points, required extras or a discount taken from the amount lent as interest when deciding whether a loan is usurious. A loan with a modest rate and large fees can still cross the limit.

Check who the lender is and what the loan is for. Usury limits often do not apply, or apply differently, to banks, licensed consumer lenders, credit card issuers, larger loans and loans to businesses or corporations. A rule written for loans between individuals may not cover your situation, so read the statute and its exceptions.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.