Loans in Carbon County, WY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carbon County, WY.
The median household in Carbon County earns $70,511 a year, 7% below the Wyoming median of $76,176. About 12% of residents live below the federal poverty line, and 23.7% of households rent their home.
What you need for a payday loan in Carbon County
Lenders that serve Carbon County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Carbon County
What Carbon County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Carbon County
Payday Loans Legal
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…
Personal Loans
36% on first $1,000, 21% above, for loans up to $75,000.
Title Loans Limited
Wyoming has no separate title-loan law.
Banks and credit unions in Carbon County
Banks with branches in Carbon County
7 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| RNB STATE BANK | 4 | 220 5th St, Rawlins 82301 |
| Bank of Commerce | 2 | 221 3rd St, Rawlins 82301 |
| BMO Bank National Association | 1 | 302 N 1st St, Saratoga 82331 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Carbon County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Meridian Trust | 1817 Mahoney St, Rawlins 82301 |
Source: NCUA credit union branch data, June 30, 2026.
All Wyoming counties and cities
Frequently asked questions
Are payday loans legal in Carbon County?
Carbon County follows Wyoming law. 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.
Are title loans legal in Carbon County?
Wyoming has no separate title-loan law.
Where can I get a small loan in Carbon County?
Options include 7 bank and 1 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Carbon County?
Fill out our short online form from anywhere in Carbon County. We share it with lenders in our network that serve Wyoming; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Carbon County, WY?
You can apply at banks, credit unions and lenders in Carbon County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Wyoming residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Carbon County with bad credit?
Yes, many lenders in our network work with Carbon County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Carbon County?
Yes. You don't need to visit a branch or storefront anywhere in Carbon County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Wyoming. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Carbon County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Carbon County residents can start any time, and it takes about 3 minutes.