> This page provides general legal information and calculation tools, not legal advice. DocketMath is not a law firm and does not provide legal representation, and using this site does not create an attorney-client relationship. Laws change and exceptions apply, so deadlines and amounts specific to your situation should be confirmed with a licensed attorney in your jurisdiction.

# Interest in Nebraska

In Nebraska, the maximum annual interest rate on a written contract is 45 percent, as set by Neb. Rev. Stat. § 45-103. This statute governs the legal ceiling for interest that parties may agree to in a written agreement; any rate exceeding this figure is generally unenforceable. The statute does not prescribe a single formula for calculating interest, but rather establishes the outer limit. Specific factors, exceptions, and calculation methods are detailed in the official source. The worked example below illustrates how this maximum rate applies in practice. To estimate interest for your own specific contract terms, use the DocketMath calculator.

## Interest calculation example

For a Nebraska this interest calculation, use the verified rate from the current rule packet: **45%**. The verified packet cites Neb. Rev. Stat. § 45-103 (https://nebraskalegislature.gov/laws/statutes.php?statute=45-103).

Example inputs:
- Principal: $10,000
- Days in calculation period: 365

Calculation:
- Convert the rate to a decimal: 45% = 0.45
- Multiply principal by the rate and the day fraction.
- Example interest: **$4,500.00**

This example is generated from verified packet facts. Confirm compounding, judgment date, and case-specific accrual before relying on the amount.

## Interest calculation example

For a Nebraska this interest calculation, use the verified rate from the current rule packet: **45%**. The verified packet cites Neb. Rev. Stat. § 45-103 (https://nebraskalegislature.gov/laws/statutes.php?statute=45-103).

Example inputs:
- Principal: $10,000
- Days in calculation period: 365

Calculation:
- Convert the rate to a decimal: 45% = 0.45
- Multiply principal by the rate and the day fraction.
- Example interest: **$4,500.00**

This example is generated from verified packet facts. Confirm compounding, judgment date, and case-specific accrual before relying on the amount.

**Estimate your own result:** every situation has exceptions that can change the outcome. Use the interest calculator to estimate your specific figure.

---
_This page provides general legal information and calculation tools, not legal advice. DocketMath is not a law firm and does not provide legal representation, and using this site does not create an attorney-client relationship. Laws change and exceptions apply, so deadlines and amounts specific to your situation should be confirmed with a licensed attorney in your jurisdiction._


In Nebraska, the maximum annual interest rate on a written contract is 45 percent, as set by Neb. Rev. Stat. § 45-103. This statute governs the legal ceiling 

Interest in Nebraska

Receipt-backed Nebraska judgment-interest surface. The current receipt certifies §§ 45-103, 45-103.01, and 45-103.02 only; late-payment, escrow, ERISA, and residential security-deposit interest require separate certification.

(a) Persons empowered to bring a civil action A civil action may be brought— (1) by a participant or beneficiary— (A) for the relief provided for in subsection (c) of this section, or (B) to recover benefits due to him under the terms of his plan , to enforce his rights under the terms of the plan , or to clarify his rights to future benefits under the terms of the plan ; (2) by the Secretary , or by a participant , beneficiary or fiduciary for appropriate relief under section 1109 of this title ;

The current receipt does not certify a Nebraska escrow-interest rate.

For decrees and judgments rendered on and after July 20, 2002, interest on decrees and judgments for the payment of money shall be fixed at a rate equal to two percentage points above the bond investment yield, as published by the Secretary of the Treasury of the United States, of the average accepted auction price for the first auction of each annual quarter of the twenty-six-week United States Treasury bills in effect on the date of entry of the judgment. The State Court Administrator shall distribute notice of such rate and any changes to it to all Nebraska judges to be in effect two weeks after the date the auction price is published by the Secretary of the Treasury of the United States. This interest rate shall not apply to: (1) An action in which the interest rate is specifically provided by law; or (2) An action founded upon an oral or written contract in which the parties have agreed to a rate of interest other than that specified in this section.

45-103.01. Postjudgment interest; accrual; when. Interest as provided in section 45-103 shall accrue on decrees and judgments for the payment of money from the date of entry of judgment until satisfaction of judgment. Source Laws 1986, LB 298, § 2; Laws 1994, LB 1183, § 2; Laws 1999, LB 43, § 20. Annotations Judgment interest accrues on the judgment, even if that judgment is made up in part of interest already accrued. Heritage Bank v. Bruha, 283 Neb. 263, 812 N.W.2d 260 (2012). This section allows parties to contractually agree to a rate of postjudgment interest and does not impose additional conditions for the recovery of such interest. Folgers Architects v. Kerns, 262 Neb. 530, 633 N.W.2d 114 (2001). Interest accrues from the date the original judgment is due, regardless of whether an appeal is taken prior to that date. Gallner v. Gallner, 257 Neb. 158, 595 N.W.2d 904 (1999).

(1) Except as provided in section 45-103.04 , interest as provided in section 45-103 shall accrue on the unpaid balance of unliquidated claims from the date of the plaintiff's first offer of settlement which is exceeded by the judgment until the entry of judgment if all of the following conditions are met: (a) The offer is made in writing upon the defendant by certified mail, return receipt requested, to allow judgment to be taken in accordance with the terms and conditions stated in the offer; (b) The offer is made not less than ten days prior to the commencement of the trial; (c) A copy of the offer and proof of delivery to the defendant in the form of a receipt signed by the party or his or her attorney is filed with the clerk of the court in which the action is pending; and (d) The offer is not accepted prior to trial or within thirty days of the date of the offer, whichever occurs first.

Unless otherwise agreed, interest shall be allowed at the rate of twelve percent per annum on money due on any instrument in writing, or on settlement of the account from the day the balance shall be agreed upon, on money received to the use of another and retained without the owner's consent, express or implied, from the receipt thereof, and on money loaned or due and withheld by unreasonable delay of payment. Unless otherwise agreed or provided by law, each charge with respect to unsettled accounts between parties shall bear interest from the date of billing unless paid within thirty days from the date of billing.

(1) A landlord may not demand or receive security, however denominated, in an amount or value in excess of one month's periodic rent, except that a pet deposit not in excess of one-fourth of one month's periodic rent may be demanded or received when appropriate, but this subsection shall not be applicable to housing agencies organized or existing under the Nebraska Housing Agency Act.

For decrees and judgments rendered on and after July 20, 2002, interest on decrees and judgments for the payment of money shall be fixed at a rate equal to two percentage points above the bond investment yield, as published by the Secretary of the Treasury of the United States, of the average accepted auction price for the first auction of each annual quarter of the twenty-six-week United States Treasury bills in effect on the date of entry of the judgment.

For Nebraska interest pages, use section 45-103 for judgment rate, section 45-103.01 for postjudgment accrual, and section 45-103.02 for prejudgment accrual.

Interest in Nebraska

Current verified answer

Authority and key facts

Interest in Nebraska

Interest calculation example

Interest calculation example