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.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Frannie: population, trend and location

Set out below is Frannie's local context next to the state-level rules that reach every lender here.

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):

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the Wyoming licence with the regulator named above before committing.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. 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.

RuleDetailSource
State lending regulatorWyoming 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 statusLegal 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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Frannie 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 Frannie is the same as anywhere in Wyoming.
What loan size can I expect in Frannie?
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 Frannie?
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 Frannie 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.

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