Personal loans in Wyoming
Consumer lending in Wyoming is regulated by the Wyoming Division of Banking. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Wyoming
| Payday lending | Permitted and regulated — maximum loan amount: None; maximum loan term: One calendar month. Finance charges: No post-dated check finance charge shall exceed the greater of $30 or 20% per month on the principal balance of the post-dated check or similar arrangementSource: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes; if interest rate is greater than 10% per year (otherwise, registration is required)). Statutory basis: Wyo. Stat. Ann. §§ 40-14-101 et seq. Licensing administered through NMLS: Yes.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 7% (Wyo. Stat. Ann. § 40-14-106 (2020)). Finance rates and fees for licensed lenders: The greater of: 36% per annum on the portion not exceeding $1,000 21% per annum on the remainder exceeding $1,000 OR 21% per annum. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Wyoming are licensed and supervised by the Wyoming Division of Banking.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Wyoming Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Wyoming Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Wyoming Division of Banking; consumers can file complaints with the Wyoming Division of Banking or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
Calculate your loan
Use the personal loan calculator to estimate your monthly payment, or check your debt-to-income ratio to see how a lender is likely to view your application.
Cities in Wyoming
CheyenneCasperGilletteLaramieRock SpringsSheridanGreen RiverEvanstonJacksonRivertonCodyRawlinsLanderPowellDouglasTorringtonRanchettesWorlandBuffaloSouth GreeleyFox Farm-CollegeMillsWheatlandNewcastleGlenrockBar NunnWarren AFBThermopolisEvansvilleKemmererNorth Rock SpringsHobackGreybullAftonLovellStar Valley RanchPinedaleSouth ParkWrightLymanSaratogaArapahoeFort WashakieLuskEtheteWilsonSundanceBasinPine BluffsGroverRanchesterMarbletonSleepy HollowRafter J RanchMoose Wilson RoadUptonGuernsey
Recommended reading
- 1000 Dollar Loan Bad Credit
- 1500 Loan No Credit Check
- 2nd Chance Loans Bad Credit
- 300 Loan Bad Credit
- 400 Loan Bad Credit
Compare personal loan options in Wyoming
Check your rate with a lending partner in about two minutes. Checking does not affect your credit score.
Check your rateWe may be paid a commission if you apply through this link. This does not affect our calculators or guides, which are free and independent.