Loans in Hot Springs County, WY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hot Springs County, WY.
The median household in Hot Springs County earns $61,250 a year, 20% below the Wyoming median of $76,176. About 15% of residents live below the federal poverty line, and 27.3% of households rent their home.
What you need for a payday loan in Hot Springs County
Here's what to have on hand before you start your payday loan request in Hot Springs County:
- 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 Hot Springs County
What Hot Springs County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
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 Hot Springs 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 Hot Springs County
Banks with branches in Hot Springs County
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Pinnacle Bank - Wyoming | 1 | 125 S 5th St, Thermopolis 82443 |
| Central Bank and Trust | 1 | 435 Arapahoe St, Thermopolis 82443 |
| Big Horn Federal Savings Bank | 1 | 643 Broadway St, Thermopolis 82443 |
| Bank of Bridger, National Association | 1 | 701 Shoshoni St, Thermopolis 82443 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Hot Springs County. The nearest counties with credit unions:
Credit unions in Washakie County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Sunlight | 1800 Big Horn Ave, Worland 82401 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Fremont County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Meridian Trust | 873 Main St, Lander 82520 |
| Grand Altitude | 1701 N Federal Blvd, Riverton 82501 |
Source: NCUA credit union branch data, June 30, 2026.
All Wyoming counties and cities
Frequently asked questions
Are payday loans legal in Hot Springs County?
Hot Springs 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 Hot Springs County?
Wyoming has no separate title-loan law.
Where can I get a small loan in Hot Springs County?
Options include 4 bank 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 Hot Springs County?
Fill out our short online form from anywhere in Hot Springs 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.
Can I get a loan in Hot Springs 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. Hot Springs County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Hot Springs County with bad credit?
Yes, many lenders in our network work with Hot Springs 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 Hot Springs County?
Yes. You don't need to visit a branch or storefront anywhere in Hot Springs 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.
Where can I get a loan in Hot Springs County, WY?
You can apply at banks, credit unions and lenders in Hot Springs 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.