Personal loans in Cheyenne, WY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cheyenne, WY.
The median household in Cheyenne earns $78,839 a year, about the same as the Wyoming median of $76,176. About 9% of residents live below the federal poverty line, and 32.9% of households rent their home.
Wyoming law that applies in Cheyenne
| 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. |
|---|---|
| License required | Yes. |
| 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). |
Full rules with statute citations: Personal Loans in Wyoming. Cities in Wyoming cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Cheyenne
Here's what to have on hand before you start your personal loan request in Cheyenne:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Cheyenne
What Cheyenne borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Cheyenne
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Cheyenne
30 FDIC-insured bank branches from 17 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 |
| 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 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cheyenne
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.
Nearby cities
County: Laramie County · Payday Loans in Cheyenne
Frequently asked questions
Can I get a personal loan with bad credit in Cheyenne?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wyoming, including Cheyenne. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Cheyenne, WY?
36% on first $1,000, 21% above, for loans up to $75,000.
How fast can I get a personal loan in Cheyenne?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Cheyenne residents can see their options in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
What credit score do I need for a personal loan?
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 Cheyenne with our free 3-minute form.
Can I get a personal loan in Cheyenne 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. Cheyenne residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get an emergency loan with bad credit in Cheyenne?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Cheyenne residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Cheyenne?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.