We carried out pot experiment to investigate nitrogen transformation characteristics, yield increasing effect, and apparent utilization rate of nitrogen fertilizer in loess soils by combining chemi-cal inhibitor and biostimulant humic acid to investigate the application effect and provide a theoretical basis for new type highly efficient and stable urea in loess soil. In this study, blank (CK) and urea (N) were set as controls, and humic acid alone (F), N-butyl thiophosphate-triamine (NBPT), 3,4-dimethyl-pyrazolate phosphate (DMPP), 2-chloro-6-trimethyl-pyridine (CP) and humic acid were respectively combined with three biochemical inhibitors to urea. The results showed that compared with N treatment, F, NBPT+F, DMPP+F, CP+F treatments significantly increased maize yield, chlorophyll content, leaf area index and nitrogen uptake, and had obvious effects on soil available nitrogen contents. The addition of humic acid increased chlorophyll content of maize leaves in all cases compared to the application of biochemical inhibitors alone. Compared with CP treatment, CP+F treatment could significantly increase nitrogen uptake, chlorophyll content, and nitrogen adsorption efficiency of maize. Addition of humic acid with NBPT increased nitrification inhibition rate by 10.7% compared with NBPT alone, but decreased yield, leaf area index, nitrogen uptake, nitrogen use efficiency. Compared with DMPP treatment, DMPP+F treatment significantly reduced maize yield, leaf area index, nitrogen uptake, nitrogen use efficiency and nitrification inhibition rate. Considering maize yield, plant N uptake, N fertilizer uptake rate and soil ammonium N and nitrate N contents, the addition of humic acid and CP is recommended for urea application in loess areas to enhance urea performance, yield, and fertilizer utilization.