Payday & Installment Loans in Emblem, Wyoming
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
Emblem residents can request payday loans of $100 to $1,000 online in a few minutes and see the full cost before deciding. At the maximum fee, a $300 loan means about $360 due on your next payday. The median household in Big Horn County earns $62,101, 18% below the Wyoming median, so that repayment would take about 15% of a typical two-week paycheck.
Why request online
Payday Loans in Emblem: the short answer
Installment loans in Emblem
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
What a $300 loan means for a typical Big Horn County budget
At the maximum fee Wyoming allows, a $300 loan means about $360 due on your next payday.
Renters in Big Horn County already spend a median 25.1% of income on rent. If the repayment would leave you short on rent or bills, a smaller amount or a longer-term option below usually costs less.
Illustration only. Your fee, APR and term come from the lender and must be disclosed before you sign.
Emblem, WY: Local Financial Snapshot
Big Horn County contextLocal economic and housing context for Emblem. Figures use the latest 2020–2024 American Community Survey 5-Year release available for small-area comparison.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-Year. Tables B01003, B19013, B25064, B25071, B17001 and B23025. City-level payday-loan volume is not consistently published for every U.S. locality, so no local borrowing count is estimated here.
Your protections in Emblem
- 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.
Lower-cost options in Emblem
Financial Locations in and near Emblem, WY
Select an address to display that exact location on the map.
Payday Loans near Emblem
Requests work the same from any of these nearby Wyoming towns; distances are straight-line from Emblem.
- Burlington, WY5 mi · pop. 242 · median income $82,000
- Otto, WY8 mi
- Greybull, WY15 mi · pop. 2,091 · median income $65,417
- Basin, WY19 mi · pop. 1,290 · median income $65,515
- Byron, WY21 mi · pop. 595 · median income $64,167
- Lovell, WY23 mi · pop. 2,422 · median income $60,154
Other Big Horn County towns:
What borrowing looks like in Emblem
Worked out from local Census income and rent figures and state lending rules, so you can plan before you apply.
How much does a $1,000 installment loan cost per month in Emblem?
See the math
As a regulated installment loan at the Wyoming limit of 36% APR over 12 months, $1,000 costs about $100.46 a month, or $205.55 in interest in total. That is 1.9% of the median Emblem household income of $5,175 a month. Your lender shows the exact APR and total cost before you sign.
Is it harder to cover bills in Emblem than in the rest of Wyoming?
See the local numbers
Median household income in Emblem is $62,101, 18% below the Wyoming median, and median rent is $823 a month (17% below the state). Renters here spend a median 25.1% of income on rent, so compare any monthly loan payment with what is left after rent and utilities.
Payday or installment loan: which costs less in Emblem?
See the math
A $500 payday loan at about $20.00 per $100 costs about $100.00 for two weeks, due in one payment of $600.00. As a regulated installment loan at the Wyoming limit of 36% APR over 6 months, $500 costs about $92.30 a month and $53.79 in total interest. The payday loan is shorter; the installment loan is easier on a monthly budget if you cannot repay everything on your next payday.
Do I need to visit a store to get a loan in Emblem?
How it works
No. The whole request is online and takes a few minutes. The nearest financial locations listed on this page are about 17 miles from Emblem, but if a lender approves you, money is usually sent by direct deposit, often by the next business day.
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Questions people ask
Are payday loans legal in Emblem, Wyoming?
Yes. Wyoming licenses lenders through the Wyoming Division of Banking under Wyo. Stat. §§ 40-14-362 to 40-14-368 (post-dated check cashers, Uniform Consumer Credit Code).
How much can I borrow in Emblem?
The lender sets your amount based on your income and state rules.
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 submit a complaint to 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.
Sources
State rules, regulator contacts and legal sources are listed on the Wyoming page. Local income and housing figures: U.S. Census Bureau, American Community Survey 2020–2024.