Personal loans in Big Piney, WY
By population, Big Piney sits at 62nd in Wyoming, with an estimated 396 residents. The trend for Big Piney between 2020 and 2023 is upward by roughly 0.3%. For a borrower among the roughly 396 residents of Big Piney, a personal loan is a tool whose cost turns on the terms, not the address. State law, not city hall, decides what a lender may do to Big Piney's roughly 396 residents, and a state regulator supervises it. Read the disclosure for an origination fee and any prepayment penalty before signing in Big Piney. Borrowers who want a bigger city can look to Marbleton, WY about 2 miles away.
Big Piney by the numbers
Set out below is Big Piney's local context next to the state-level rules that reach every lender here.
- Population: an estimated 396 residents, 62nd of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- Population trend: About 0.3% above the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
- Size percentile: about 37% of Wyoming communities are smaller than Big Piney (396 residents).
- Density: the Census land area of 0.5 sq mi holds about 780 people per square mile.
- Land area: Big Piney covers 0.5 square miles, the 76th-largest area among Wyoming's 99 places.
- State share: roughly 0.1% of Wyoming's residents live in Big Piney (396 people).
- National rank: Big Piney sits 14,133rd by population among the 19,457 places in this dataset.
- Growth rank: Big Piney ranks 60th among Wyoming's 99 places for the 2020-to-2023 change.
- Versus Wyoming: the state average change is +1.7%, while Big Piney moved 0.3%.
- Density rank: Big Piney is the 45th most densely settled place in Wyoming.
- Against the state median: Big Piney runs about 780 residents per square mile, where the Wyoming median is 699.
- Location: the Census Gazetteer records it at 42.5402, -110.1193.
- Nearest larger cities: Marbleton (2 mi); Pinedale (26 mi); Afton (43 mi); Thayne (52 mi); Star Valley Ranch (52 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Opal (54 mi); Granger (66 mi); Bloomington (70 mi).
- Smaller neighbours: 0 places smaller than Big Piney sit within 50 miles.
- Larger places within 100 miles: 35.
What is available to Big Piney borrowers
Big Piney is moderately settled, with about 780 people per square mile and 3 larger places within 50 miles. Lenders licensed in Wyoming reach Big Piney's 396 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Marbleton, WY about 2 miles away.
Where Big Piney sits in Wyoming
Within Wyoming, Big Piney holds roughly 0.1% of all residents, the 62nd-largest share among 99 places. For population change between 2020 and 2023, Big Piney ranks 60th of 99 in Wyoming (about the 39th percentile). Its roughly 780 residents per square mile place it 45th among Wyoming's places. The population moved by about 1 people between 2020 and 2023, a 0.3% shift.
Wyoming rules behind a Big Piney personal loan
For the roughly 396 residents of Big Piney, the rules below are Wyoming's own; each row carries its publisher and retrieval date.
| 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 |
What to do before borrowing in Big Piney
Complete these steps first when you borrow in Big Piney (396 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Wyoming regulator's records to confirm the lender is licensed here.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
None of these steps is Big Piney-specific: the same Wyoming licensing and disclosure rules reach all 396 residents.
How a Big Piney personal loan is priced
Most loans made to Big Piney's 396 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Big Piney's 396 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Big Piney decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Big Piney if my credit is poor?
What loan size can I expect in Big Piney?
Do I have to pledge anything to borrow in Big Piney?
Does comparing loans in Big Piney cost me credit score points?
Nearby places
- Marbleton, WY — population 861
- La Barge, WY — population 396
- Pinedale, WY — population 2,034
- Opal, WY — population 65
- Afton, WY — population 2,270
- Diamondville, WY — population 524
- Kemmerer, WY — population 2,393
- Cokeville, WY — population 492