Loans in Sheridan County, WY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sheridan County, WY.
The median household in Sheridan County earns $71,388 a year, 6% below the Wyoming median of $76,176. About 10% of residents live below the federal poverty line, and 29.3% of households rent their home.
What you need for a payday loan in Sheridan County
Here's what to have on hand before you start your payday loan request in Sheridan 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 Sheridan County
What Sheridan County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Sheridan 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 Sheridan County
Banks with branches in Sheridan County
14 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 2 | 24 S Brooks St, Sheridan 82801 |
| Cowboy State Bank | 2 | 515 Us Highway 14, Ranchester 82839 |
| First Federal Bank & Trust | 2 | 671 Illinois St, Sheridan 82801 |
| Wells Fargo Bank, National Association | 1 | 424 N Main St, Sheridan 82801 |
| BMO Bank National Association | 1 | 2 N Main St, Sheridan 82801 |
| U.S. Bank National Association | 1 | 203 S Main St, Sheridan 82801 |
| Security State Bank | 1 | 2070 Coffeen Ave, Sheridan 82801 |
| Buffalo Federal Bank | 1 | 1375 Sugarland Dr, Sheridan 82801 |
| First Northern Bank of Wyoming | 1 | 29 N Gould St, Sheridan 82801 |
| Glacier Bank | 1 | 460 East Brundage Lane, Sheridan 82801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Cities in Sheridan County
All Wyoming counties and cities
Frequently asked questions
Are payday loans legal in Sheridan County?
Sheridan 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 Sheridan County?
Wyoming has no separate title-loan law.
Where can I get a small loan in Sheridan County?
Options include 14 bank and 4 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 Sheridan County?
Fill out our short online form from anywhere in Sheridan 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 Sheridan 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. Sheridan County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Sheridan County?
Yes. You don't need to visit a branch or storefront anywhere in Sheridan 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 an emergency loan in Sheridan County?
Yes. When an unexpected bill comes up, Sheridan 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 Sheridan County with bad credit?
Yes, many lenders in our network work with Sheridan 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.