Personal loans in Midwest, WY
For the 286 people in Midwest, Wyoming runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. By population, Midwest sits at 70th in Wyoming, with an estimated 286 residents.
With roughly 286 residents, Midwest is a small community, and the lending rules its borrowers live under are written in Wyoming, not by the city. Midwest lost roughly 0.3% of its population across the 2020-to-2023 comparison. Compare APR, not the interest rate, because the APR folds in most fees on a Midwest loan. A larger market lies at Bar Nunn, WY about 34 miles away.
Local context for Midwest
What follows is Midwest's place in the Census record, alongside the Wyoming rules that govern a personal loan made here.
- Population: about 286, ranked 70th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 0.3%.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: Midwest sits ahead of around 29% of Wyoming places, at 286 people.
- Density: roughly 590 residents per square mile, spread over 0.5 sq mi of land.
- Land area rank: Midwest's 0.5 square miles rank 78th of 99 places in Wyoming.
- State share: roughly 0.1% of Wyoming's residents live in Midwest (286 people).
- National rank: Midwest sits 15,280th by population among the 19,457 places in this dataset.
- Growth rank: Midwest ranks 72nd among Wyoming's 99 places for the 2020-to-2023 change.
- Versus Wyoming: the state average change is +1.7%, while Midwest moved 0.3%.
- Density rank: Midwest is the 55th most densely settled place in Wyoming.
- Density vs Wyoming: Midwest's 590 people per square mile compare with a state median of 699.
- Location: coordinates 43.4108, -106.2773 (US Census Bureau Gazetteer).
- Nearest larger cities: Bar Nunn (34 mi); Evansville (37 mi); Mills (39 mi); Casper (39 mi); Rolling Hills (41 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Edgerton (2 mi); Kaycee (27 mi); Ten Sleep (73 mi).
- Within a 50-mile radius: 2 smaller Census places.
- Within 100 miles: 16 places are larger than Midwest.
What to do before borrowing in Midwest
These steps shape the offer you get in Midwest, a place of about 286 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Wyoming licence by checking the regulator named above.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
In Midwest as elsewhere in Wyoming, the written terms — not the advertisement — are what count for its 286 residents.
Midwest in state context
Against Wyoming's other places, Midwest accounts for about 0.1% of the state's population and ranks 70th of 99 by size. Its 2020-to-2023 change ranks 72nd of 99 Wyoming places, putting it near the 27th percentile for growth. Its roughly 590 residents per square mile place it 55th among Wyoming's places. Within 50 miles sit 2 smaller Census places, alongside the 7 that are larger.
Borrowing reach in Midwest
Midwest is moderately settled, with about 590 people per square mile and 7 larger places within 50 miles. Whether Midwest has a local branch or not, a Wyoming-licensed lender can serve its 286 people online on the same terms. The nearest larger city, Bar Nunn, WY about 34 miles away.
Midwest: area, density and distance
Midwest's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 590 people per square mile. The largest place in Wyoming, Cheyenne, lies about 175 miles away. Within 50 miles of Midwest there are 7 larger Census places. The 100-mile radius contains 16 larger places.
Which Wyoming laws govern a loan in Midwest
Below are the Wyoming rules that apply to a loan made in Midwest, each with the regulator that issued it.
| 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 Midwest if my credit is poor?
What loan size can I expect in Midwest?
Do I have to pledge anything to borrow in Midwest?
Does comparing loans in Midwest cost me credit score points?
Nearby places
- Edgerton, WY — population 154
- Kaycee, WY — population 281
- Bar Nunn, WY — population 3,001
- Evansville, WY — population 2,778
- Casper, WY — population 58,720
- Mills, WY — population 4,517
- Rolling Hills, WY — population 426
- Glenrock, WY — population 2,421