Payday Loans and Cash Advance in Hillsdale, WY
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
Hillsdale 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.
Why request online
Payday Loans in Hillsdale: the short answer
Installment loans in Hillsdale
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
Hillsdale, WY: Local Financial Snapshot
City-level ACS dataLocal economic and housing context for Hillsdale. 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 Hillsdale
- 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 Hillsdale
Cash loans near me in Hillsdale: nearby locations
Select an address to display that exact location on the map.
Payday loans near me: Hillsdale and nearby towns
Requests work the same from any of these nearby Wyoming towns; distances are straight-line from Hillsdale.
- Burns, WY8 mi · pop. 397 · median income $61,071
- Carpenter, WY16 mi
- Cheyenne, WY17 mi · pop. 65,239 · median income $78,839
- Ft Warren AFB, WY20 mi
- Pine Bluffs, WY21 mi · pop. 1,370 · median income $67,905
- Albin, WY23 mi · pop. 230 · median income $170,154
Other Laramie County towns:
What borrowing looks like in Hillsdale
Worked out from local Census income and rent figures and state lending rules, so you can plan before you apply.
Payday or installment loan: which costs less in Hillsdale?
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 Hillsdale?
How it works
No. The whole request is online and takes a few minutes. The nearest financial locations listed on this page are about 6 miles from Hillsdale, 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
Where can I get a cash advance near me in Hillsdale?
The nearest bank and credit union locations listed on this page are about 6 miles away, but you do not need to visit one: the request is online and takes a few minutes. If a licensed lender approves you, the money is usually sent by direct deposit, often by the next business day. Wyoming rules on loan amounts and fees apply.
Can I get a loan in Hillsdale 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 Hillsdale, 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 Hillsdale?
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.