Personal loans in Cokeville, WY

Cokeville, Wyoming is a small community, and the lending rules its residents live under are written at the state level, not by the city. About 492 people live in Cokeville, placing it 55th of 99 Census places in Wyoming. Census figures put the 2020-to-2023 decrease at about 1.2%. Every figure below is Wyoming's own, carrying the publisher and the retrieval date. Work out your debt-to-income ratio first; lenders weigh it heavily. The closest larger place is Montpelier, ID about 25 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Borrowing in Cokeville: the local picture

Only a few things actually differ by place — population, location, and the Wyoming rules a lender must follow — and they are below.

Population: about 492 people live here, which puts Cokeville 55th of 99 Census places in Wyoming (Vintage 2023).
Population trend: A drop of about 1.2% from 2020 to 2023.
Size percentile: roughly 44% of Wyoming places rank below it.
Location: mapped by the US Census Bureau at 42.0792, -110.9519.
Nearest larger cities: Montpelier (25 mi); Paris (25 mi); Garden City (26 mi); Kemmerer (29 mi); Diamondville (30 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller communities close by: St. Charles (23 mi); Bloomington (24 mi); Laketown (26 mi), each with its own Census population profile.

What Wyoming law requires in Cokeville

These are Wyoming's sourced lending facts as they apply in Cokeville; the state has no separate city-level rate rule.

Rule	Detail	Source
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
Small-loan / installment lender licensing	Consumer Lender, Sales Finance Company, Post-Dated Check Casher, and Pawnbroker licenses via NMLS; licensing mandatory per location including online Source says: Licensing is mandatory for every location where business is regularly conducted	Wyoming Division of Banking as of 2026-09-16
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

What a Cokeville personal loan looks like

Most personal loans made to Cokeville residents are unsecured, so no collateral is pledged and the lender leans on your credit history. The quoted APR tracks your credit score: an excellent file may earn a single-digit rate, while damaged credit can push the rate into the high twenties or thirties. If the payment would strain your budget, a smaller loan or a longer saving period is the safer route.

A pre-application checklist for Cokeville

Work through this short checklist before committing to a personal loan in Cokeville:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Price the payment first with our personal loan calculator before any lender quotes you.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Wyoming licence by checking the regulator named above.
Write down the purpose of the loan and your repayment plan before you apply.

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Common questions

What are my options in Cokeville if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Cokeville is the same as anywhere in Wyoming.

What loan size can I expect in Cokeville?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Cokeville?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Cokeville cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Montpelier, ID — population 2,715
St. Charles, ID — population 186
Laketown, UT — population 307
Bloomington, ID — population 214
Paris, ID — population 549
Randolph, UT — population 483
Garden City, UT — population 713
Kemmerer, WY — population 2,393