Personal loans in Wyoming
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Wyoming personal loan rules at a glance
| Governing law | Uniform Consumer Credit Code - Loans (Wyo. Stat. Title 40, ch. 14, art. 3). (Wyo. Stat. §§ 40-14-301 et seq.) |
|---|---|
| Rate cap | The loan finance charge may not exceed the equivalent of 36% a year on the part of the unpaid principal that is $1,000 or less and 21% a year on the part above $1,000, calculated by the actuarial method. A minimum finance charge of up to $30 is allowed. (Wyo. Stat. § 40-14-310(f), (g)) |
| License required | Yes. A consumer lender license from the administrator is required to make consumer loans or take assignments of non-servicing rights on consumer loans not in default, unless the lender is a supervised financial organization. Applications go through NMLS. (Wyo. Stat. §§ 40-14-302(b), 40-14-634) |
| Loan sizes covered | A 'consumer loan' is a personal, family or household loan by a person regularly in the business of lending, payable in installments or with a finance charge, with principal of $75,000 or less (first-mortgage purchase loans excluded). (Wyo. Stat. § 40-14-304(a), (c)) |
| Origination / other fees | No separate origination fee is listed; besides the finance charge, additional charges are limited to official fees and taxes, permitted insurance, certain lender-credit-card annual charges, charges excluded from the finance charge under the federal Consumer Credit Protection Act or by rule, and reasonable closing costs. (Wyo. Stat. § 40-14-311) |
Bad credit loans in Wyoming
Bad credit doesn't automatically rule you out in Wyoming. Many lenders in our network look at your income and bank activity, not just your score, and offer personal installment loans of $500 to $5,000 to borrowers with fair or poor credit. Rates are higher than prime offers, so compare the monthly payment and total cost before you accept. More on bad-credit loans.
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Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Rate cap |
|---|---|
| Colorado | Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%. |
| Idaho | No rate cap; licensed lenders may charge any rate agreed in the contract. |
| Montana | Licensed consumer lenders may charge no more than 36% a year interest, plus limited deferral and late fees. |
| Nebraska | Licensed installment lenders: 24% on first $1,000, 21% above; loans up to $25,000. |
| South Dakota | 36% APR cap, all fees included, for every licensed money lender. |
| Utah | No rate cap: parties may agree to any finance charge; lenders must notify DFI. |
Personal Loans by city in Wyoming
Counties in Wyoming
Show all 23 counties
Also see: Payday Loans in Wyoming · Title Loans in Wyoming · All Wyoming loan options
Frequently asked questions
Is there a cap on personal loan interest rates in Wyoming?
36% on first $1,000, 21% above, for loans up to $75,000.
Do personal loan lenders need a license in Wyoming?
Yes. A consumer lender license from the administrator is required to make consumer loans or take assignments of non-servicing rights on consumer loans not in default, unless the lender is a supervised financial organization. Applications go through NMLS.
Can I get a personal loan with bad credit in Wyoming?
Yes, some lenders in our network work with fair or bad credit, but approval is not guaranteed and rates are higher. Licensed lenders in Wyoming must follow the state's consumer-lending rules shown above; tribal and bank-partner lenders may follow different rules, so compare the APR on every offer.
Can I get a personal loan in Wyoming with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Wyoming residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Wyoming?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Wyoming residents can see installment loan offers with our free 3-minute form.
What credit score do I need for a personal loan in Wyoming?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Wyoming with our free 3-minute form.
How can I get an emergency loan in Wyoming?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.