Loans in Laramie County, WY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Laramie County, WY.
The median household in Laramie County earns $80,173 a year, 5% above the Wyoming median of $76,176. About 9% of residents live below the federal poverty line, and 29.4% of households rent their home.
What you need for a payday loan in Laramie County
Most Laramie County applicants can finish in one sitting if they have these ready:
- 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 Laramie County
What Laramie County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Laramie 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 Laramie County
Banks with branches in Laramie County
33 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank of Omaha | 3 | 1525 E Pershing Blvd, Cheyenne 82001 |
| FirsTier Bank | 2 | 1508 Stillwater Ave, Cheyenne 82009 |
| Wells Fargo Bank, National Association | 2 | 1701 Capitol Ave, Cheyenne 82001 |
| First National Bank | 2 | 5827 Yellowstone Rd, Cheyenne 82009 |
| BMO Bank National Association | 2 | 2200 E Lincolnway, Cheyenne 82001 |
| First Interstate Bank | 2 | 401 W 19th St, Cheyenne 82001 |
| Pinnacle Bank - Wyoming | 2 | 1700 Goodnight Trl, Cheyenne 82007 |
| U.S. Bank National Association | 2 | 2020 Carey Ave, Cheyenne 82001 |
| Platte Valley Bank | 2 | 421 Vandehei Ave, Cheyenne 82009 |
| Riverstone Bank | 2 | 500 W 18th St, Cheyenne 82001 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Laramie County
20 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Blue | 114 E 7Th Ave, Cheyenne 82001 |
| Meridian Trust | 2223 Warren Ave, Cheyenne 82001 |
| Wyhy | 1715 Stillwater Ave, Cheyenne 82009 |
| First Education | 120 W Carlson St, Cheyenne 82009 |
| Nuvision | 414 E 18Th St, Cheyenne 82001 |
| Uniwyo | 5249 Yellowstone Rd, Cheyenne 82009 |
| Western Vista | 3207 Sparks Rd, Cheyenne 82001 |
| Cheyenne-Laramie County Employees | 4523 Driftwood Dr, Cheyenne 82009 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Laramie County
All Wyoming counties and cities
Frequently asked questions
Are payday loans legal in Laramie County?
Laramie 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 Laramie County?
Wyoming has no separate title-loan law.
Where can I get a small loan in Laramie County?
Options include 33 bank and 20 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 Laramie County?
Fill out our short online form from anywhere in Laramie 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 an emergency loan in Laramie County?
Yes. When an unexpected bill comes up, Laramie 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.
Can I get a loan in Laramie County with bad credit?
Yes, many lenders in our network work with Laramie 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.
Where can I get a loan in Laramie County, WY?
You can apply at banks, credit unions and lenders in Laramie 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 Laramie 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. Laramie County residents can start any time, and it takes about 3 minutes.