Online Payday Loans & Check Cashing in Nebraska

Nebraska caps payday loans at 36% APR, with checks of no more than $500 in total and terms of up to 34 days. Apply online any time, or visit one of our Nebraska stores.

Last reviewed November 5, 2026

Payday Express has eight stores in Nebraska: six in Omaha, one in La Vista and one in Columbus. You can start a request online in a few minutes, or visit a store for check cashing, money orders, money transfers and loan questions. Since 2020, Nebraska law caps payday loans at 36% APR, and every cost is shown in writing before you sign.

Our locations in Nebraska

Omaha

La Vista

Columbus

Apply online in a few minutes

You do not have to come in. Start your request online at any hour, from your phone or computer.

  1. Fill in the short form. It takes a few minutes and asks about the amount you need, your income and your bank account.
  2. See the terms first. If you get an offer, the amount, the fee, the APR and the due date are shown before you agree. There is no obligation.
  3. Get your money. If you accept, the lender explains how and when the funds are paid, often by direct deposit.

Apply Online

Approval is not guaranteed. The online form is run by a third-party lending network, not by our stores. Its lenders may offer other loan types, such as installment loans, with amounts, costs and terms that differ from our in-store payday loans and depend on your state and the lender.

How payday loans work in Nebraska

In Nebraska, payday loans are delayed deposit services under the Delayed Deposit Services Licensing Act. Since Nebraska voters approved Initiative 428 in November 2020, the cost of these loans is capped at a 36% annual percentage rate. Lenders must be licensed by the Nebraska Department of Banking and Finance.

What a payday loan costs in Nebraska

Cash you receiveMost it can cost (14 days)Check / you repay (14 days)Most it can cost (34 days)Check / you repay (34 days)
$100$1.38$101.38$3.35$103.35
$200$2.76$202.76$6.71$206.71
$300$4.14$304.14$10.06$310.06
$400$5.52$405.52$13.41$413.41

How this is worked out: 36% a year on the cash you receive, for the number of days the loan is outstanding. For example, $400 for 34 days costs no more than $13.41. Your check, including the cost, can be no more than $500, so the most you can receive is about $493 for 14 days or about $483 for 34 days. Your exact cost and APR are shown in writing before you sign.

How Nebraska law protects you

  • 36% APR cap. A licensee may not charge more than a 36% annual percentage rate. A transaction above the cap is void, and the lender cannot collect on it.
  • $500 limit. A lender may not hold checks from you worth more than $500 in total at any one time. The check includes the cost, so the most you can receive is a little under $500.
  • 34 days at most. A check may not be held for more than 34 days.
  • Licensed lenders only. Delayed deposit businesses need a license from the Nebraska Department of Banking and Finance, which also takes complaints.
  • Military borrowers. Active-duty servicemembers and their dependents are also covered by the federal Military Lending Act, which caps the Military Annual Percentage Rate (MAPR, which includes most fees) at 36%.

Source: Neb. Rev. Stat. §45-918 (36% APR cap, Initiative 428, 2020) and §45-919 ($500 and 34-day limits); licensing and complaints: Nebraska Department of Banking and Finance. Questions or complaints: Nebraska Department of Banking and Finance. Last reviewed November 5, 2026.

Frequently asked questions

Are payday loans legal in Nebraska?
Yes, but since November 2020 their cost is capped at a 36% APR. Lenders must be licensed by the Nebraska Department of Banking and Finance, and a loan above the cap is void.
What is the most a payday loan can cost in Nebraska?
36% a year on the cash you receive. For example, $400 for 34 days costs no more than $13.41.
How much can I borrow in Nebraska?
A lender may hold checks worth no more than $500 in total from you at any one time, for no more than 34 days. Because the check includes the cost, the most you can receive is about $483 for 34 days.
How do I get a cash advance before payday?
Apply online in a few minutes or visit one of our Nebraska stores with your ID, a recent pay stub and a bank statement. Please call the store before you visit.
Where can I get an urgent cash loan near me?
Check the store list above or apply online at any hour, from anywhere in Nebraska.
Is a cash advance the same as a payday loan?
In a store, people use the two words for the same thing: a small loan you repay on your next payday. A credit card cash advance is different, and it is borrowed against your card limit.

Ready when you are

Start online now, with no obligation. You decide only after you see the full cost.

  • Free to apply
  • Short online form
  • Secure and private
  • Terms shown before you sign

Apply Online Call 402-731-5555