Personal loans in Cody, WY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cody, WY.
The median household in Cody earns $72,570 a year, about the same as the Wyoming median of $76,176. About 10% of residents live below the federal poverty line, and 30.5% of households rent their home.
Wyoming law that applies in Cody
| 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 Cody
Lenders that serve Cody typically ask for the following:
- 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 Cody
What Cody borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Cody
- 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 Cody
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 2 | 1507 8th St, Cody 82414 |
| Wells Fargo Bank, National Association | 1 | 1401 Sheridan Ave, Cody 82414 |
| Pinnacle Bank - Wyoming | 1 | 1702 Sheridan Ave, Cody 82414 |
| BMO Bank National Association | 1 | 1130 Sheridan Ave, Cody 82414 |
| U.S. Bank National Association | 1 | 1132 Beck Ave, Cody 82414 |
| Big Horn Federal Savings Bank | 1 | 1701 Stampede Ave, Cody 82414 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cody
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Uniwyo | 1817 17Th St, Cody 82414 |
| Valley Financial | 1902 Cougar Ave, Cody 82414 |
| Sunlight | 1702 17Th St, Cody 82414 |
Source: NCUA credit union branch data, June 30, 2026.
County: Park County · Payday Loans in Cody
Frequently asked questions
Can I get a personal loan with bad credit in Cody?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wyoming, including Cody. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Cody, WY?
36% on first $1,000, 21% above, for loans up to $75,000.
How fast can I get a personal loan in Cody?
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. Cody residents can see their options in about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Cody borrowers who qualify.
How long does it take to get a personal loan in Cody?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Cody.
How can I get an emergency loan in Cody?
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.
How do I apply for a personal loan with bad credit in Cody?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Cody?
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.