Personal loans in Cody, WY

In Cody, one of 99 Census places in Wyoming, the figure to compare across lenders is the APR, not the advertised rate. Use the calculator on this page to price an amount and term before you commit in Cody. Consumer lending that reaches Cody's 10,240 residents is governed by Wyoming statute; no city ordinance changes it. Borrowers who want a bigger city can look to Billings, MT about 91 miles away.

The Cody data picture

Cody is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: the Census counts 10,240 residents in Cody (Vintage 2023 subcounty estimate), the 11th-largest figure among Wyoming's 99 places.
• Population trend: A rise of about 2.0% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 200 residents.
• Size percentile: about 89% of Wyoming communities are smaller than Cody (10,240 residents).
• Population density: about 1,000 people per square mile (Census land area 10.2 sq mi).
• Land area: Cody covers 10.2 square miles, the 10th-largest area among Wyoming's 99 places.
• Water area rank: Cody ranks 3rd among Wyoming's 99 places, with 0.24 sq mi.
• Share of Wyoming: Cody holds about 2.6% of the state's population, some 10,240 people.
• National rank: Cody is 3,105th of 19,457 places nationwide.
• Growth rank: Cody's 2020-to-2023 change ranks 35th of 99 places in Wyoming.
• State comparison: Wyoming's places average +1.7% for 2020-to-2023, against Cody's 2.0%.
• Density in Wyoming: Cody ranks 32nd by people per square mile.
• Against the state median: Cody runs about 1,000 residents per square mile, where the Wyoming median is 699.
• Location: coordinates 44.5212, -109.0575 (US Census Bureau Gazetteer).
• Nearest larger cities: Billings (91 mi); Sheridan (105 mi); Riverton (109 mi); Jackson (112 mi). Living near a larger metro rarely changes what is available in Cody.
• Smaller communities within reach: Powell (22 mi); Meeteetse (27 mi); Burlington (31 mi).
• Within a 50-mile radius: 11 smaller Census places.
• Larger places within 100 miles: 1.

What shapes a Cody personal loan

Most loans made to Cody's 10,240 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Cody's rank of 11th in Wyoming: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Cody loan but raises total interest, so the smallest payment is not the cheapest loan.

Wyoming consumer-lending rules applied in Cody

The rows below set out what a licensed lender must follow in Wyoming, and so for Cody's roughly 10,240 residents.

Cody's place among Wyoming's 99 places

Set beside Wyoming's 99 places, Cody ranks 11th by population and holds about 2.6% of the state total. Its 2020-to-2023 change ranks 35th of 99 Wyoming places, putting it near the 65th percentile for growth. At about 1,000 people per square mile, Cody is the 32nd most densely settled place in Wyoming. Between 2020 and 2023 the count changed by roughly 200 residents.

Cody on the map

The Census Gazetteer records 10.2 square miles of land and 0.24 square miles of water within Cody. That land carries about 1,000 people per square mile. For the state's biggest city, Cheyenne, the distance is roughly 319 miles. Counting outward 50 miles, 0 larger communities surround Cody. By land area it ranks 10th of 99 Wyoming places.

A pre-application checklist for Cody

Complete these steps first when you borrow in Cody (10,240 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Wyoming regulator's licence records before you sign.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Cody and the rest of Wyoming is not the process but the borrower's own file, among the 10,240 people here.