This is a calculation done by Financer and does not reflect the real cost from Lending For Bad Credit. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from PersonalLoans.com. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Fast5KLoans. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Your Premier Lending. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Low Credit Finance. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from ACE Cash Express. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from BadCreditLoans.com. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Honest Loans. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Consumers Credit Union. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from GetCash.com. An individual credit assessment will be performed by the company.Calculating
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Filters
Loan amount
Loan purpose
Product Statistics
A complete breakdown of all data points across the products in this comparison to help you make the right decision.
Loan amount
$0 - $50,000 ($7,663.66)
Loan period
1 week - 183 months (27 months)
Annual interest rate
0% - 1,564% (159.82%)
Minimum age
18 - 18 (18)
Minimum income
$0 - $2,000 ($345.95)
National bank account
31 (83.8%)
National phone number
31 (83.8%)
Citizenship
24 (64.9%)
Electronic identification
29 (78.4%)
Accepts Bad Credit History
34 (91.9%)
Payout within 24 hours
31 (83.8%)
Weekend Payout
5 (13.5%)
Loan extensions
18 (48.6%)
Early payback
31 (83.8%)
Loan broker
13 (35.1%)
Interest-free first loan
0 (0%)
Cosigner possible
2 (5.4%)
Approval rate
80% - 90% (83.75%)
Revocation period
15 (40.5%)
High approval rate
0 (0%)
Statistics based on 37 Loans products in our database.
CompanyLowestHighest
Lending For Bad Credit5.99%35.99%
PersonalLoans.com5.99%35.99%
Fast5KLoans5.99%35.99%
Your Premier Lending5.99%35.99%
Low Credit Finance5.99%35.99%
ACE Cash Express91.52%630.13%
BadCreditLoans.com5.99%35.99%
Honest Loans5.99%35.99%
Consumers Credit Union8.99%24.79%
GetCash.com5.99%35.99%
MoneyKey249%295%
Jora Credit75%349%
5KFunds5.99%35.99%
Credit Clock5.99%35.99%
Explore Credit5.99%35.99%
Self Lender15.69%15.92%
CashNetUSA229%579%
Cash Store390%780%
Cash Advance15%1,564%
CreditFresh143%600%
Advance America143.29%688.28%
MoneyLion5.99%29.99%
MaxLend471.78%841.45%
Viva Payday Loans5.99%35.99%
CashUSA5.99%35.99%
LoansUnder365.99%35.99%
SecureSpeedyLoans5.99%35.99%
Loan in Personal5.99%35.99%
Wizzay.com5.9%35.99%
Speedy Cash199.99%729%
Spotloan99%490%
Fast Loan Advance5.99%35.99%
EarnIn0%0%
BMG Money19.99%35.99%
OppLoans99%195%
Plain Green Loans210%438%
Interest Rates
See how rates compare across all providers. The bars show the range between lowest and highest rates offered by each company.
Historical Payday loans in wyoming Interest Rates
Average rates tracked monthly across 46 providers
Average rates tracked monthly across 46 providers
Average
Lowest
Highest
Aug 2025
152.51%
1.26%
1,646.58%
Sep 2025
154.93%
1.33%
1,667.75%
Oct 2025
156.62%
1.38%
1,682.54%
Nov 2025
157.02%
1.39%
1,685.99%
Dec 2025
155.84%
1.36%
1,675.65%
Jan 2026
153.15%
1.28%
1,652.17%
Feb 2026
149.37%
1.18%
1,619.09%
Mar 2026
145.14%
1.06%
1,582.11%
Apr 2026
141.21%
0.95%
1,547.77%
May 2026
138.27%
0.87%
1,522.06%
Jun 2026
136.78%
0.82%
1,509.02%
Jul 2026
136.88%
0.83%
1,509.89%
Aug 2026
143.07%
1%
1,564%
Current Average143.07%↑ 6.19pp
Lowest Available1%
Highest Available1,564%
Providers Tracked46
Financer's Choice
Top Rated
PersonalLoans.com
APR ranges 5.99%-35.89% with potential origination fees from lenders. As a marketplace, rates vary widely by credit score and chosen lender - competitive for bad credit borrowers.
Phone and email support Monday-Friday, 6am-7pm PST. Quick response times (few hours) but limited availability and marketplace model restricts loan-specific help.
Loan amounts from $250 to $35,000 with repayment terms from 61 days to 96 months. Transparent about marketplace model and lender requirements. Straightforward documentation process.
Users appreciate loan matching for bad credit access. Major complaints include aggressive post-application marketing and multiple credit inquiries from referral model.
Get exclusive conditions from the best financial companies
Wyoming Loan Options: What You Need to Know
Wyoming is one of the more lender-friendly states in the country, which means borrowers have plenty of options but also need to be careful about the terms they accept.
The state allows payday loans, personal loans, title loans, and installment loans. There is no cap on APR for short-term lending, so rates can vary wildly between lenders. That makes comparing your options before you apply absolutely essential.
Use the comparison tool above to browse available Wyoming loans. You can filter by loan amount, term length, and interest rate to find the right fit for your situation.
Payday Loans in Wyoming: Rules and Regulations
Wyoming permits payday lending under its post-dated check cashing laws. Here is what you should know about the rules governing payday loans in the state:
Maximum loan amount: No state-mandated limit. Lenders set their own maximum loan amounts.
Finance charges: Capped at the greater of $30 or 20% of the loan amount.
Loan term: Maximum of 30 days.
APR cap: Wyoming has no maximum APR. Annualized rates on payday loans can reach 780% or higher.
Rollovers: Payday loans cannot be rolled over or refinanced into another payday loan.
Cooling-off period: Borrowers can cancel a payday loan by the end of the next business day without paying any fees.
Criminal action: Lenders are prohibited from pursuing criminal action against borrowers.
All payday lenders in Wyoming must hold a post-dated check casher license from the Wyoming Division of Banking.
Types of Loans Available in Wyoming
Wyoming residents have access to several types of loans depending on their financial needs and credit history.
Personal loans are the most flexible option. The best personal loan rates in Wyoming start around 7.24% APR for borrowers with good credit. Loan amounts typically range from $1,000 to $50,000, with repayment terms of 12 to 84 months. The average credit score in Wyoming is 684, which puts most residents in a good position to qualify for competitive rates.
Payday loans are designed for small, short-term borrowing needs. They are easy to qualify for but come with very high fees. A typical $500 payday loan in Wyoming will cost around $100 in fees over 30 days. How much can you borrow with a payday loan in Wyoming? There is no state-mandated cap, so the maximum depends on the individual lender and your income.
Title loans in Wyoming let you borrow against the value of your vehicle. The state has no specific title loan legislation separate from general lending laws, so terms vary by lender. You typically need a clear vehicle title and proof of income to qualify.
Installment loans allow you to borrow a lump sum and repay it in fixed monthly payments over time. These are a good middle ground between personal loans and payday loans for borrowers who need more than a few hundred dollars but may not qualify for a traditional bank loan.
How to Choose the Right Loan in Wyoming
Determine how much you need. Borrow only what is necessary. For small amounts under $500, a payday loan or cash advance app may work. For larger amounts, consider a personal loan.
Check your credit score. Your credit score directly affects the rates you qualify for. The average FICO score in Wyoming is 684. If yours is lower, look into bad credit loans.
Compare APR, not just monthly payments. A lower monthly payment with a longer term can cost you more in total interest. Use APR as your primary comparison metric.
Read the fine print. Look for origination fees, prepayment penalties, and late payment charges. Wyoming has minimal consumer protections on lending, so the responsibility falls on you.
Use a comparison tool. Compare multiple lenders at once using the tool at the top of this page. It is free and does not affect your credit score.
Payday Loans in Casper, Cheyenne, and Other Wyoming Cities
Payday loan availability varies by city across Wyoming. In larger cities like Casper, Cheyenne, and Gillette, you will find both storefront and online payday lenders. In smaller towns and rural areas, online lenders are often the only option.
If you are searching for payday loans in Casper, Wyoming, you have multiple lending locations to choose from. Online lenders also serve Casper residents with same-day or next-day funding.
Looking for payday loans in Cheyenne, Wyoming? The state capital has the most lending options in the state. Residents can choose between local credit unions, banks, storefront lenders, and online platforms.
Gillette and other smaller cities have fewer physical locations, but residents can access the same online payday loans in Wyoming that are available statewide.
Regardless of where you live in Wyoming, online lenders let you compare rates, apply, and get funded without leaving your home. The comparison tool above shows lenders available in your area.
Alternatives to Payday Loans in Wyoming
If you are looking for cheaper alternatives to payday loans in Wyoming, consider these options:
Credit union loans: Wyoming credit unions like UniWyo and Black Hills FCU offer small personal loans with much lower rates than payday lenders.
Personal installment loans: Spread your repayment over several months instead of paying everything back in 30 days. Compare personal loans to find the best rate.
Credit card cash advances: If you have a credit card, a cash advance is usually cheaper than a payday loan, even with the higher APR.
Payment plans: Many medical providers, utility companies, and landlords will work with you on a payment plan if you ask.
Emergency assistance programs: Wyoming 211 connects residents with local emergency financial assistance, including help with rent, utilities, and food.
Wyoming Lending Regulations and Consumer Protections
Wyoming's lending regulations are among the most permissive in the country. The state has no usury cap for most consumer loans, which means lenders can charge whatever interest rate the market will bear.
The Wyoming Division of Banking oversees all licensed lenders in the state. If you have a complaint about a lender, you can file it directly with the Division of Banking.
Key regulatory facts for Wyoming borrowers:
There is no state-mandated maximum loan amount for consumer loans.
The civil usury statute in Wyoming caps interest at 7% per year only for loans where no rate is specified in the contract.
Licensed payday lenders can charge up to 20% per loan period (maximum 30 days), which annualizes to extremely high APRs.
Wyoming does not limit the number of outstanding payday loans a borrower can have at one time.
All lending businesses must be licensed by the state before operating in Wyoming.
Because of these minimal protections, comparing lenders before borrowing is even more important in Wyoming than in states with stricter regulations.
Frequently Asked Questions About Loans in Wyoming
Are payday loans legal in Wyoming?
Yes. Wyoming allows payday lending under its post-dated check cashing laws. All lenders must be licensed by the Wyoming Division of Banking. Fees are capped at $30 or 20% of the loan amount, whichever is greater, for a maximum term of 30 days.
What is the maximum payday loan amount in Wyoming?
Wyoming does not set a state-mandated maximum loan amount for payday loans. Individual lenders set their own limits based on their lending criteria and the borrower's income.
How much does a payday loan cost in Wyoming?
Wyoming payday lenders can charge up to $30 or 20% of the loan amount, whichever is greater. For a $500 payday loan, that means you could pay up to $100 in fees over 30 days. There is no APR cap, so the annualized cost is very high.
Can I get a personal loan in Wyoming with bad credit?
Yes. Several online lenders offer personal loans for bad credit in Wyoming. Rates will be higher than for borrowers with good credit, but they are typically much lower than payday loan rates. The average credit score in Wyoming is 684.
What is the best bank for personal loans in Wyoming?
Wells Fargo currently offers some of the lowest personal loan rates in Wyoming, starting at 7.24% APR. Local credit unions like UniWyo and Black Hills FCU also offer competitive rates for members. Use the comparison tool above to see all available options.
How many payday loans can I have at once in Wyoming?
Wyoming does not limit the number of payday loans a borrower can have at the same time. However, taking out multiple payday loans simultaneously is risky and can lead to a debt spiral. Consider a personal loan or debt consolidation instead.
