Car title loans in Wyoming: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Wyoming title loan rules at a glance
| Governing law | Unless a supervised financial organization or licensed by the administrator, no one may engage in the business of making consumer loans. (Wyo. Stat. § 40-14-302(b)) |
|---|---|
| Rate / fee cap | Same as other consumer loans: 36% a year on the part of the unpaid principal up to $1,000 and 21% a year on the part above $1,000 (actuarial method). (Wyo. Stat. § 40-14-310(g)) |
Your options in Wyoming
Payday loans aren't offered by state-licensed lenders here, but you can still request a personal installment loan of $100 to $5,000 through our form. Installment loans spread repayment over several months, so each payment is smaller. See Wyoming personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Colorado | Limited | — |
| Idaho | Legal | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail… |
| Montana | Not available | — |
| Nebraska | Not available | — |
| South Dakota | Not available | — |
| Utah | Legal | A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on… |
Personal loans by city in Wyoming
Counties in Wyoming
Show all 23 counties
Also see: Payday Loans in Wyoming · Personal Loans in Wyoming · All Wyoming loan options
Frequently asked questions
Are title loans legal in Wyoming?
Wyoming has no separate title-loan law. A loan secured by a car title is a consumer loan that only a licensed consumer lender (or supervised financial organization) may make, at no more than 36% a year on the first $1,000 and 21% above that, so high-cost title loans are not permitted.
What interest can title lenders charge in Wyoming?
Same as other consumer loans: 36% a year on the part of the unpaid principal up to $1,000 and 21% a year on the part above $1,000 (actuarial method).
Can I get a title loan on a financed car in Wyoming?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Wyoming will tell you what they can offer.
How much can I get for a title loan in Wyoming?
The amount depends mainly on your vehicle's value, along with your income and Wyoming rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
What do I need for a title loan in Wyoming?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Wyoming, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I refinance my title loan in Wyoming?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Wyoming rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.