Payday Loans and Cash Advance in Wyoming: Get Offers Online
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
Estimate uses the maximum fee Wyoming law allows (up to the greater of $30 or 20% per month of the principal; for a $300 loan that is $60). Some lenders charge less. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offers- Wyoming lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Payday Loans in Wyoming, requested online
Wyoming residents can request $100 to $1,000 online from any of the 176 Wyoming cities we cover. You fill in one form, lenders review it, and you see the full cost before you decide.
What Wyoming law says
- Fee limit: Up to the greater of $30 or 20% per month of the principal; for a $300 loan that is $60.
- Maximum loan term: 31 days.
- Renewals: Not allowed: a loan cannot be repaid, refinanced or consolidated with the proceeds of another loan from the same lender.
- Payment plan: Once every 12 months you can ask for an extended plan: at least 4 equal installments over at least 60 days, with no extra interest or fees; request it before 5 p.m. on the last business day before the due date.
- Lenders must hold a license from the Wyoming Division of Banking and disclose fees and APR before you sign.
Good to know
- A post-dated check lender (payday lender) must be licensed in Wyoming.
- The finance charge is capped at the greater of $30 or 20% per month of the principal.
- Wyoming does not set a maximum loan amount in the payday statute.
- The maximum term is one calendar month.
- Rollovers and refinancing with a new loan from the same lender are prohibited.
- You may cancel by 5 p.m. the next business day by returning the full cash advanced, at no cost.
- Complaints go to the Division of Banking at 307-777-7797.
Why request online
Installment loans in Wyoming
Need more time to repay? Wyoming also allows consumer loans from licensed lenders, repaid in fixed monthly payments. 36% a year on the part of the balance up to $1,000 and 21% a year on the part above $1,000, calculated on unpaid balances.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Consumer lender license, Wyoming Division of Banking (Uniform Consumer Credit Code).
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
Payday Loan Rules in Wyoming
| Maximum amount | No statutory principal cap in summary |
|---|---|
| Loan term | One calendar month |
| Rate / fee rule | Finance charge ≤greater of $30 or 20% per month on principal |
| Regulatory basis | Wyo. Stat. §40-14-362 et seq. |
Key Rules
- Post-dated-check loan framework
- state fee ceiling applies
Regulatory reference: the statutes listed in this table and the state regulator. State rules can change; confirm current terms before borrowing.
Largest Wyoming cities
Questions people ask
Can I get a loan in Wyoming with bad credit?
Yes, you can apply with any credit history. Lenders look at your income and banking history, not only your credit score, but they may still check your credit and approval is not guaranteed. Compare the APR and total cost before you accept.
Are payday loans legal in Wyoming?
Yes. Lenders are licensed by the Wyoming Division of Banking under Wyo. Stat. §§ 40-14-362 to 40-14-368 (post-dated check cashers, Uniform Consumer Credit Code).
What is the maximum payday loan in Wyoming?
State law and the lender set the amount. The lender decides your amount based on income.
How much does a payday loan cost in Wyoming?
Fee limit in Wyoming: up to the greater of $30 or 20% per month of the principal; for a $300 loan that is $60. At $20 per $100, a $300 two-week loan costs $60, about 521% APR.
Where can I complain about a lender in Wyoming?
Contact the Wyoming Division of Banking at 307-777-7797 or the CFPB at consumerfinance.gov/complaint.
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Resources
Payday loans near me in Wyoming: find your city