Personal loans in Opal, WY

With roughly 65 residents, Opal is a small community, and the lending rules its borrowers live under are written in Wyoming, not by the city. For the 65 people in Opal, Wyoming runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Decide the purpose of the loan and your repayment plan before sharing any details with a Opal lender. The nearest larger metro is Diamondville, WY about 11 miles away.

Local context for Opal

Most of what governs a Opal loan is written in Wyoming law rather than in the city; the sourced notes below make that split concrete.

• Population: about 65, ranked 96th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 1.6% between 2020 and 2023.
• Absolute change: 1 residents added between 2020 and 2023.
• Size percentile: about 3% of Wyoming's Census places are smaller than Opal.
• Density: roughly 142 residents per square mile, spread over 0.5 sq mi of land.
• By land area: Opal ranks 79th among Wyoming's 99 places, at 0.5 sq mi.
• State population share: Opal accounts for about 0.0% of everyone in Wyoming.
• National rank: Opal is 18,745th of 19,457 places nationwide.
• Growth in Wyoming: Opal stands 37th by percentage change from 2020 to 2023, among 99 places.
• Against the state trend: Opal's 1.6% change compares with a Wyoming average of +1.7% across its 99 places.
• Density rank: Opal is the 88th most densely settled place in Wyoming.
• Against the state median: Opal runs about 142 residents per square mile, where the Wyoming median is 699.
• Location: 41.7679, -110.3244 (Census Gazetteer coordinates).
• Nearest larger cities: Diamondville (11 mi); Kemmerer (12 mi); Granger (22 mi); Lyman (30 mi); Mountain View (34 mi). Lenders licensed in the state serve Opal whether or not they keep a local branch.
• Smaller places close by: Oxford (93 mi).
• Smaller neighbours: 0 places smaller than Opal sit within 50 miles.
• Within 100 miles: 103 places are larger than Opal.

Land, water and location for Opal

Inside Opal's boundaries lie about 0.5 square miles of land, with no significant water area recorded. That land carries about 142 people per square mile. The state's population centre of gravity, Cheyenne, is roughly 290 miles away. Counting outward 50 miles, 12 larger communities surround Opal. The 100-mile radius contains 103 larger places.

What Wyoming law requires in Opal

When Wyoming does not publish a figure, the row links to the source instead of inventing a number; Opal is bound by the same rules.

Where Opal sits in Wyoming

Among Wyoming's 99 places, Opal sits at 96th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 37th of 99 Wyoming places, putting it near the 63th percentile for growth. By density, at about 142 people per square mile, it ranks 88th in Wyoming. Between 2020 and 2023 the count changed by roughly 1 residents.

How a Opal personal loan is priced

In Opal, a small community of about 65, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Opal lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Opal loan is knowable in advance — unlike a revolving card balance.

Steps to take before a Opal loan

A sensible order of operations for a loan in Opal, home to about 65 people:

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. Check the Wyoming regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

What differs between Opal and the rest of Wyoming is not the process but the borrower's own file, among the 65 people here.