Personal loans in Lyman, WY

Lyman is one of 99 Census places in Wyoming; its 2,189 residents put it at 29th. Population in Lyman climbed about 2.5% over the three years from 2020 to 2023.

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.

Lyman is a small community in Wyoming, with an estimated 2,189 residents, and every licensed lender here follows the same state rulebook. To lend to Lyman's 2,189 residents, a company must hold a Wyoming licence, and each sourced row below names the regulator behind it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Lyman's 2,189 residents are no exception. The closest larger place is Kemmerer, WY about 34 miles away.

Where Lyman stands

The figures below are Lyman's own — Census population, land area and coordinates — followed by the Wyoming rules.

Lyman's place among Wyoming's 99 places

Set beside Wyoming's 99 places, Lyman ranks 29th by population and holds about 0.5% of the state total. For population change between 2020 and 2023, Lyman ranks 29th of 99 in Wyoming (about the 71th percentile). At about 1,392 people per square mile, Lyman is the 15th most densely settled place in Wyoming. The population moved by about 53 people between 2020 and 2023, a 2.5% shift.

The anatomy of a Lyman personal loan

With roughly 2,189 residents, Lyman is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Lyman lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Lyman loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Lyman

Lyman covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,392 people per square mile. For the state's biggest city, Cheyenne, the distance is roughly 286 miles. Within 50 miles of Lyman there are 3 larger Census places. Within the same 50 miles lie 7 smaller Census places.

The state rulebook for Lyman

For the roughly 2,189 residents of Lyman, the rules below are Wyoming's own; each row carries its publisher and retrieval date.

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

Getting a loan in Lyman

At roughly 1,392 people per square mile, Lyman is moderately settled; 3 larger places lie within 50 miles. Whether Lyman has a local branch or not, a Wyoming-licensed lender can serve its 2,189 people online on the same terms. The nearest larger city, Kemmerer, WY about 34 miles away.

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 Lyman 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 Lyman is the same as anywhere in Wyoming.
What loan size can I expect in Lyman?
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 Lyman?
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 Lyman 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

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