Personal loans in Sheridan, WY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sheridan, WY.
The median household in Sheridan earns $62,867 a year, 17% below the Wyoming median of $76,176. About 12% of residents live below the federal poverty line, and 37.9% of households rent their home.
Wyoming law that applies in Sheridan
| 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 Sheridan
Lenders that serve Sheridan 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 Sheridan
What Sheridan borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Sheridan
- 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 Sheridan
13 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 |
| 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 |
| Cowboy State Bank | 1 | 232 E Grinnell Plz, Sheridan 82801 |
| Security State Bank | 1 | 2070 Coffeen Ave, Sheridan 82801 |
| Buffalo Federal Bank | 1 | 1375 Sugarland Dr, Sheridan 82801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Sheridan
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.
County: Sheridan County · Payday Loans in Sheridan
Frequently asked questions
Can I get a personal loan with bad credit in Sheridan?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wyoming, including Sheridan. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Sheridan, WY?
36% on first $1,000, 21% above, for loans up to $75,000.
How fast can I get a personal loan in Sheridan?
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.
Can I get an emergency loan with bad credit in Sheridan?
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. Sheridan residents can see if they qualify in about 3 minutes.
Where can I find a loan for bad credit in Sheridan?
You can apply at local banks and lenders in Sheridan, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within 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 Sheridan with our free 3-minute form.
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. Sheridan 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 Sheridan borrowers who qualify.
Do I need to visit a store in Sheridan?
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.