Loans in Wyoming: payday, personal & title loan laws (2026)

Payday loans (post-dated check or similar arrangements) are legal in Wyoming from post-dated check cashers licensed by the Division of Banking under the Uniform Consumer Credit Code. The charge is capped at the greater of $30 or 20% a month, the term at one calendar month, and the statute sets no maximum loan amount.

The only charge allowed is a post-dated check finance charge of no more than $30 or 20% a month of the principal, whichever is greater. The charge is fully earned the day the loan is made.

A post-dated check loan may not be repaid, refinanced or consolidated with the proceeds of another post-dated check loan from the same check casher. The casher must give you a written notice saying so, and get your signature on it at least once a year.

Wyoming has no separate title-loan law. A loan secured by a car title is a consumer loan that only a licensed consumer lender (or supervised financial organization) may make, at no more than 36% a year on the first $1,000 and 21% above that, so high-cost title loans are not permitted.

Same as other consumer loans: 36% a year on the part of the unpaid principal up to $1,000 and 21% a year on the part above $1,000 (actuarial method).

36% on first $1,000, 21% above, for loans up to $75,000.

Yes. A consumer lender license from the administrator is required to make consumer loans or take assignments of non-servicing rights on consumer loans not in default, unless the lender is a supervised financial organization. Applications go through NMLS.