Loans in Phelps County, NE: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Phelps County, NE.
The median household in Phelps County earns $68,919 a year, 10% below the Nebraska median of $76,475. About 12% of residents live below the federal poverty line, and 31.7% of households rent their home.
What you need for a personal loan in Phelps County
Most Phelps County applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Phelps County
What Phelps County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Phelps County
Payday Loans Not available
Payday (delayed deposit) lenders are still licensed in Nebraska, but since voter-approved Initiative 428 (2020) they may not charge more than 36% APR, and a loan that breaks the…
Personal Loans
Licensed installment lenders: 24% on first $1,000, 21% above; loans up to $25,000.
Title Loans Not available
Nebraska has no title-loan licensing law.
Banks and credit unions in Phelps County
Banks with branches in Phelps County
8 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 2 | 601 Minor Ave, Bertrand 68927 |
| The First State Bank | 1 | 401 East Ave, Holdrege 68949 |
| First Interstate Bank | 1 | 321 Burlington St, Holdrege 68949 |
| Lincoln FSB of Nebraska | 1 | 720 4th Ave, Holdrege 68949 |
| Home Federal Savings and Loan Association of Grand Island | 1 | 423 Garfield St, Holdrege 68949 |
| FirsTier Bank | 1 | 229 W 4th Ave, Holdrege 68949 |
| Bruning Bank | 1 | 1215 S Burlington St, Holdrege 68949 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Phelps County. The nearest counties with credit unions:
Credit unions in Buffalo County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Trius | 2915 2Nd Ave, Kearney 68847 |
| University Of Nebraska | 208 W 29Th St Ste C, Kearney 68845 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Dawson County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Trius | 115 Cattlemens Dr, Lexington 68850 |
| Eddyville Cooperative | 501 Central Ave, Eddyville 68834 |
Source: NCUA credit union branch data, June 30, 2026.
All Nebraska counties and cities
Frequently asked questions
Are payday loans legal in Phelps County?
Phelps County follows Nebraska law. Payday (delayed deposit) lenders are still licensed in Nebraska, but since voter-approved Initiative 428 (2020) they may not charge more than 36% APR, and a loan that breaks the cap is void.
Are title loans legal in Phelps County?
Nebraska has no title-loan licensing law.
Where can I get a small loan in Phelps County?
Options include 8 bank locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Phelps County?
Fill out our short online form from anywhere in Phelps County. We share it with lenders in our network that serve Nebraska; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Phelps County, NE?
You can apply at banks, credit unions and lenders in Phelps County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Nebraska residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Phelps County?
Yes. You don't need to visit a branch or storefront anywhere in Phelps County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Nebraska. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Phelps County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Phelps County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Phelps County?
Yes. When an unexpected bill comes up, Phelps County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.