Personal loans in Hulett, WY
The roughly 326 people who live in Hulett borrow under Wyoming rules; city hall sets no personal-loan rate. For a community of about 326, the practical step is to compare APR across at least three lenders before committing.
By population, Hulett sits at 68th in Wyoming, with an estimated 326 residents. Consumer lending that reaches Hulett's 326 residents is governed by Wyoming statute; no city ordinance changes it. Population in Hulett climbed about 5.8% over the three years from 2020 to 2023. Borrowers who want a bigger city can look to Sundance, WY about 22 miles away.
Hulett: population, trend and location
Two layers matter for a Hulett borrower: the local population picture and Wyoming's consumer-lending statutes.
- Population: 326 — Hulett ranks 68th of 99 communities in Wyoming (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 5.8% from 2020 to 2023.
- People gained or lost: about 18 more since the 2020 base.
- Size percentile: Hulett's 326 people outrank roughly 31% of the places in Wyoming.
- Population density: 365 people per square mile on 0.9 square miles of land.
- Land area rank: Hulett's 0.9 square miles rank 68th of 99 places in Wyoming.
- Share of Wyoming: Hulett holds about 0.1% of the state's population, some 326 people.
- National rank: Hulett is the 14,826th most populous of the 19,457 Census places covered here.
- Growth in Wyoming: Hulett stands 14th by percentage change from 2020 to 2023, among 99 places.
- State comparison: Wyoming's places average +1.7% for 2020-to-2023, against Hulett's 5.8%.
- Density in Wyoming: Hulett ranks 70th by people per square mile.
- Density vs Wyoming: Hulett's 365 people per square mile compare with a state median of 699.
- Location: latitude 44.6832, longitude -104.5982 (Census Gazetteer).
- Nearest larger cities: Sundance (22 mi); Pine Haven (25 mi); Moorcroft (34 mi); Belle Fourche (36 mi); Upton (40 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Fruitdale (44 mi); Central City (46 mi); Nisland (51 mi).
- Smaller places within 50 miles: 2 of them.
- Larger places within 100 miles: 25.
What a Hulett borrower is actually offered
With roughly 326 residents, Hulett 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 Hulett can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Hulett loan is knowable in advance — unlike a revolving card balance.
Land, water and location for Hulett
Hulett covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 365 people per square mile. The state's population centre of gravity, Cheyenne, is roughly 246 miles away. Within 50 miles of Hulett there are 9 larger Census places. By land area it ranks 68th of 99 Wyoming places.
What to do before borrowing in Hulett
Before you apply in Hulett, a community of about 326, work through these steps:
- 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.
- Shop at least three lenders and judge them on APR and total cost.
- Look the lender up in the Wyoming regulator's licence records before you sign.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
What differs between Hulett and the rest of Wyoming is not the process but the borrower's own file, among the 326 people here.
Which Wyoming laws govern a loan in Hulett
Every row below records a Wyoming rule, its publisher and its retrieval date — the same rules a Hulett lender must follow.
| 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 |
Borrowing reach in Hulett
Hulett is lightly settled, with about 365 people per square mile and 9 larger places within 50 miles. What is available to Hulett's 326 borrowers is set by Wyoming licensing and your own credit, not by how many branches are nearby. The nearest larger city, Sundance, WY about 22 miles away.
Common questions
What are my options in Hulett if my credit is poor?
What loan size can I expect in Hulett?
Do I have to pledge anything to borrow in Hulett?
Does comparing loans in Hulett cost me credit score points?
Nearby places
- Sundance, WY — population 1,098
- Pine Haven, WY — population 543
- Moorcroft, WY — population 1,001
- Upton, WY — population 888
- Belle Fourche, SD — population 5,873
- Spearfish, SD — population 13,282
- Central City, SD — population 104
- Lead, SD — population 3,035