Personal loans in Frannie, WY
The first question in Frannie is not the rate on offer but whether the payment fits; about 146 people live here under Wyoming lending law. From the 2020 Census base to the 2023 estimate, the population rose by about 5.0%. The Census estimates 146 residents in Frannie, which ranks it 86th of 99 places in Wyoming. If debt is already a strain, a nonprofit credit counsellor can help Frannie residents before they take on more. Lenders active in Frannie report to a Wyoming supervisor, identified in the sourced rows below. The nearest larger city is Deaver, WY about 6 miles away.
Frannie: population, trend and location
Set out below is Frannie's local context next to the state-level rules that reach every lender here.
- Population: about 146 people live here, which puts Frannie 86th of 99 Census places in Wyoming (Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 5.0%.
- Change in people: the 2020-to-2023 comparison is a gain of about 7 residents.
- Size percentile: roughly 13% of Wyoming places rank below Frannie.
- Land and density: 0.4 square miles of land carry roughly 330 residents per square mile.
- By land area: Frannie ranks 80th among Wyoming's 99 places, at 0.4 sq mi.
- State population share: Frannie accounts for about 0.0% of everyone in Wyoming.
- National rank: Frannie sits 17,331st by population among the 19,457 places in this dataset.
- Growth rank: Frannie ranks 17th among Wyoming's 99 places for the 2020-to-2023 change.
- Against the state trend: Frannie's 5.0% change compares with a Wyoming average of +1.7% across its 99 places.
- Density rank: Frannie is the 74th most densely settled place in Wyoming.
- Density vs Wyoming: Frannie's 330 people per square mile compare with a state median of 699.
- Location: it lies at 44.9710, -108.6205 in the Census Gazetteer.
- Nearest larger cities: Deaver (6 mi); Cowley (10 mi); Byron (13 mi); Lovell (15 mi); Powell (16 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Bearcreek (29 mi); Manderson (58 mi); Broadview (79 mi), each with its own Census population profile.
- Smaller neighbours: 1 places smaller than Frannie sit within 50 miles.
- Larger places within 100 miles: 28.
Frannie's place among Wyoming's 99 places
Within Wyoming, Frannie holds roughly 0.0% of all residents, the 86th-largest share among 99 places. For population change between 2020 and 2023, Frannie ranks 17th of 99 in Wyoming (about the 83th percentile). Its roughly 330 residents per square mile place it 74th among Wyoming's places. The population moved by about 7 people between 2020 and 2023, a 5.0% shift.
What shapes a Frannie personal loan
With roughly 146 residents, Frannie is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Frannie can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Frannie loan is knowable in advance — unlike a revolving card balance.
Where Frannie sits
The Census Gazetteer records about 0.4 square miles of land within Frannie, with no significant water area listed. With 146 residents, the land area yields roughly 330 people per square mile. The largest place in Wyoming, Cheyenne, lies about 328 miles away. Within 50 miles of Frannie there are 14 larger Census places. The 100-mile radius contains 28 larger places.
Steps to take before a Frannie loan
Complete these steps first when you borrow in Frannie (146 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the Wyoming licence with the regulator named above before committing.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- 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.
The process is identical across Wyoming; what changes is your credit file, not the fact that Frannie holds 146 people.
The state rulebook for Frannie
This table holds the Wyoming rate and licensing rules for consumer loans made to Frannie's 146 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 Frannie if my credit is poor?
What loan size can I expect in Frannie?
Do I have to pledge anything to borrow in Frannie?
Does comparing loans in Frannie cost me credit score points?
Nearby places
- Deaver, WY — population 169
- Cowley, WY — population 845
- Byron, WY — population 574
- Powell, WY — population 6,488
- Lovell, WY — population 2,350
- Bridger, MT — population 714
- Fromberg, MT — population 422
- Burlington, WY — population 370