Payday loans in Wyoming
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Wyoming payday loan rules at a glance
| Governing law | Uniform Consumer Credit Code, Part 8 (post-dated check cashing). No one may do business as a post-dated check casher without a license from the administrator; each office or place of business needs its own license. (Wyo. Stat. §§ 40-14-362, 40-14-363(a), 40-14-634(e)) |
|---|---|
| Fees / interest cap | The only charge allowed is a post-dated check finance charge of no more than $30 or 20% a month of the principal, whichever is greater. The charge is fully earned the day the loan is made. (Wyo. Stat. § 40-14-363(a), (c)) |
| Maximum term | One calendar month (extended payment plans are not subject to this limit). (Wyo. Stat. § 40-14-363(b)) |
| Rollovers / renewals | A post-dated check loan may not be repaid, refinanced or consolidated with the proceeds of another post-dated check loan from the same check casher. The casher must give you a written notice saying so, and get your signature on it at least once a year. (Wyo. Stat. §§ 40-14-364, 40-14-367) |
| Extended payment plan | Once every 12 months you may choose an extended payment plan if you cannot repay on time. Ask, and sign the plan amendment, before 5:00 p.m. Mountain Time on the last business day before the due date. The plan must allow at least four substantially equal payments over at least 60 days, timed to your paydays (or at least two weeks apart), with no added interest or fees while you keep to it; you may prepay anytime. If you default on the plan, the casher may accelerate and charge interest at 6% plus the Wall Street Journal prime rate. (Wyo. Stat. § 40-14-366) |
How much will I repay?
Wyoming does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Colorado | Not available | $500. |
| Idaho | Legal | $1,000 per loan, and no more than $1,000 in total outstanding with one lender (plus fees). |
| Montana | Not available | A payday loan must be at least $50 and no more than $300, not counting the fee. |
| Nebraska | Not available | A lender may not hold checks from one borrower totaling more than $500 at any one time. |
| South Dakota | Not available | — |
| Utah | Legal | — |
Payday Loans by city in Wyoming
Counties in Wyoming
Show all 23 counties
Also see: Personal Loans in Wyoming · Title Loans in Wyoming · All Wyoming loan options
Frequently asked questions
Are payday loans legal in Wyoming?
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. The charge is capped at the greater of $30 or 20% a month, the term at one calendar month, and the statute sets no maximum loan amount.
How much do payday loans cost in Wyoming?
The only charge allowed is a post-dated check finance charge of no more than $30 or 20% a month of the principal, whichever is greater. The charge is fully earned the day the loan is made.
Can you roll over a payday loan in Wyoming?
A post-dated check loan may not be repaid, refinanced or consolidated with the proceeds of another post-dated check loan from the same check casher. The casher must give you a written notice saying so, and get your signature on it at least once a year.
Do Wyoming payday lenders have to offer a payment plan?
Once every 12 months you may choose an extended payment plan if you cannot repay on time. Ask, and sign the plan amendment, before 5:00 p.m. Mountain Time on the last business day before the due date. The plan must allow at least four substantially equal payments over at least 60 days, timed to your paydays (or at least two weeks apart), with no added interest or fees while you keep to it; you may prepay anytime. If you default on the plan, the casher may accelerate and charge interest at 6% plus the Wall Street Journal prime rate.
How much does a payday loan cost in Wyoming?
The only charge allowed is a post-dated check finance charge of no more than $30 or 20% a month of the principal, whichever is greater. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Wyoming borrowers in about 3 minutes.
What do I need to get a payday loan in Wyoming?
Most lenders ask for a few basics: you must be a legal adult, with a valid government-issued ID, a steady source of income, an active checking account in your name, and a phone number and email. Some lenders also ask for recent pay stubs or bank statements. Having these ready makes our 3-minute form quick, and many Wyoming applicants get a decision in minutes.
Can I get a payday loan online in Wyoming?
Yes. You can request a payday loan online from anywhere in Wyoming, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve Wyoming residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.
Do payday loans in Wyoming affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Wyoming residents can see their options with our 3-minute form.