Personal loans in Albin, WY
Albin is one of 99 Census places in Wyoming; its 160 residents put it at 83rd. Two households in Albin with comparable incomes can still be offered different rates; the city's 160 residents are not the reason.
Population in Albin dropped about 5.3% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Albin lender. Lenders active in Albin report to a Wyoming supervisor, identified in the sourced rows below. The closest larger city is LaGrange, WY about 16 miles away.
Albin by the numbers
Albin is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 160 residents, 83rd of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 5.3% from the 2020 Census base to the 2023 estimate.
- Absolute change: 9 residents lost between 2020 and 2023.
- Size percentile: roughly 16% of Wyoming places rank below Albin.
- Population density: about 1,088 people per square mile (Census land area 0.1 sq mi).
- Land area: Albin covers 0.1 square miles, the 97th-largest area among Wyoming's 99 places.
- State population share: Albin accounts for about 0.0% of everyone in Wyoming.
- National standing: Albin ranks 17,115th of 19,457 US places.
- Growth rank: Albin's 2020-to-2023 change ranks 98th of 99 places in Wyoming.
- Versus Wyoming: the state average change is +1.7%, while Albin moved 5.3%.
- Density rank: Albin is the 25th most densely settled place in Wyoming.
- Density in context: Albin's 1,088 people per square mile sit against a Wyoming median of 699.
- Location: 41.4169, -104.1015 (Census Gazetteer coordinates).
- Nearest larger cities: LaGrange (16 mi); Pine Bluffs (16 mi); Burns (21 mi); Kimball (27 mi); Dix (34 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Bushnell (17 mi); Yoder (36 mi); Grover (38 mi).
- Smaller neighbours: 6 places smaller than Albin sit within 50 miles.
- Within 100 miles: 75 places are larger than Albin.
How lenders reach Albin
Albin is a moderately settled community of about 160 people, with 17 larger places inside a 50-mile radius. Whether Albin has a local branch or not, a Wyoming-licensed lender can serve its 160 people online on the same terms. The nearest larger city, LaGrange, WY about 16 miles away.
Before you apply in Albin
Before you apply in Albin, a community of about 160, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Wyoming regulator's records to confirm the lender is licensed here.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
What differs between Albin and the rest of Wyoming is not the process but the borrower's own file, among the 160 people here.
Inside a Albin personal loan
With roughly 160 residents, Albin is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Albin. A longer term lowers the monthly payment on a Albin loan but raises total interest, so the smallest payment is not the cheapest loan.
Albin: area, density and distance
The Census Gazetteer records about 0.1 square miles of land within Albin, with no significant water area listed. That land carries about 1,088 people per square mile. The largest place in Wyoming, Cheyenne, lies about 41 miles away. Albin has 17 larger places within a 50-mile radius. By land area it ranks 97th of 99 Wyoming places.
How Wyoming law applies in Albin
This table holds the Wyoming rate and licensing rules for consumer loans made to Albin's 160 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wyoming Division of Banking Source says: The Division is responsible for the chartering and regulation of Wyoming state banks, trust companies, mortgage companies, as well as non-bank financial companies. | Wyoming Division of Banking as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 36% per year on unpaid principal balances up to $1,000; 21% above $1,000 (Wyo. Stat. § 40-14-310(g)) Source says: shall not exceed the equivalent of thirty-six percent (36%) per year on that part of the unpaid balances of the principal | Wyoming Legislature (Wyoming Statutes) as of 2026-09-16 |
| Payday lending status | Legal with a post-dated check casher license; finance charge capped at the greater of $30 or 20% per month; max term 1 month (Wyo. Stat. § 40-14-363) Source says: No post-dated check finance charge shall exceed the greater of thirty dollars ($30.00) or twenty percent (20%) per month on the principal balance | Wyoming Legislature (Wyoming Statutes) as of 2026-09-16 |
Common questions
What are my options in Albin if my credit is poor?
What loan size can I expect in Albin?
Do I have to pledge anything to borrow in Albin?
Does comparing loans in Albin cost me credit score points?
Nearby places
- LaGrange, WY — population 378
- Pine Bluffs, WY — population 1,121
- Bushnell, NE — population 111
- Burns, WY — population 368
- Kimball, NE — population 2,192
- Lyman, NE — population 254
- Yoder, WY — population 132
- Grover, CO — population 153