Loans in Johnson County, WY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Johnson County, WY.
The median household in Johnson County earns $64,871 a year, 15% below the Wyoming median of $76,176. About 9% of residents live below the federal poverty line, and 17.7% of households rent their home.
What you need for a payday loan in Johnson County
Here's what to have on hand before you start your payday loan request in Johnson 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 Johnson County
What Johnson County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Johnson 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 Johnson County
Banks with branches in Johnson 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 |
|---|---|---|
| First Northern Bank of Wyoming | 1 | 141 S Main St, Buffalo 82834 |
| ANB Bank | 1 | 99 S Main St, Buffalo 82834 |
| First Interstate Bank | 1 | 40 E Hart St, Buffalo 82834 |
| Buffalo Federal Bank | 1 | 106 Fort St, Buffalo 82834 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Johnson County. The nearest counties with credit unions:
Credit unions in Sheridan County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Campco | 2511 Coffeen Ave, Sheridan 82801 |
| Sunlight | 1447 Sugarland Dr, Sheridan 82801 |
| Sheridan Community | 141 S Gould St, Sheridan 82801 |
| Cit-Co | 502 N Main St, Sheridan 82801 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Campbell County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Campco | 101 Ranch Dr., Wright 82732 |
| Highmark | 2717 S Douglas Hwy, Gillette 82718 |
Source: NCUA credit union branch data, June 30, 2026.
All Wyoming counties and cities
Frequently asked questions
Are payday loans legal in Johnson County?
Johnson 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 Johnson County?
Wyoming has no separate title-loan law.
Where can I get a small loan in Johnson 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 Johnson County?
Fill out our short online form from anywhere in Johnson 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 Johnson County with bad credit?
Yes, many lenders in our network work with Johnson 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 get a loan in Johnson 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. Johnson County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Johnson County, WY?
You can apply at banks, credit unions and lenders in Johnson 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 an emergency loan in Johnson County?
Yes. When an unexpected bill comes up, Johnson County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.