Personal loans in Pine Bluffs, WY
Consumer lending that reaches Pine Bluffs's 1,121 residents is governed by Wyoming statute; no city ordinance changes it. Roughly 1,121 residents live in Pine Bluffs, the 40th-largest community in Wyoming.
Pine Bluffs is a small community in Wyoming, with an estimated 1,121 residents, and every licensed lender here follows the same state rulebook. The 2020 count to the 2023 estimate shows about 4.4% decline in Pine Bluffs. Pull your credit reports and line up at least three offers before you apply from Pine Bluffs. The closest larger place is Kimball, NE about 22 miles away.
What the Census records for Pine Bluffs
Pine Bluffs is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 1,121, ranked 40th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 4.4% fewer residents than the 2020 Census counted.
- People gained or lost: about 51 fewer since the 2020 base.
- Size percentile: roughly 60% of Wyoming's places have fewer residents than Pine Bluffs's 1,121.
- Density: the Census land area of 4.0 sq mi holds about 282 people per square mile.
- By land area: Pine Bluffs ranks 22nd among Wyoming's 99 places, at 4.0 sq mi.
- State share: roughly 0.3% of Wyoming's residents live in Pine Bluffs (1,121 people).
- National rank: Pine Bluffs sits 9,788th by population among the 19,457 places in this dataset.
- Growth rank: Pine Bluffs ranks 97th among Wyoming's 99 places for the 2020-to-2023 change.
- Versus Wyoming: the state average change is +1.7%, while Pine Bluffs moved 4.4%.
- Density in Wyoming: Pine Bluffs ranks 78th by people per square mile.
- Density vs Wyoming: Pine Bluffs's 282 people per square mile compare with a state median of 699.
- Location: 41.1802 / -104.0748, per the US Census Bureau Gazetteer.
- Nearest larger cities: Kimball (22 mi); Cheyenne (37 mi); Gering (50 mi); Scottsbluff (52 mi); Ault (54 mi). Larger metros often have more branches, but online lenders reach Pine Bluffs on the same terms.
- Smaller places nearby: Bushnell (10 mi); Burns (15 mi); Albin (16 mi).
- Smaller neighbours: 9 places smaller than Pine Bluffs sit within 50 miles.
- Within 100 miles: 52 places are larger than Pine Bluffs.
Borrowing reach in Pine Bluffs
Pine Bluffs is lightly settled, with about 282 people per square mile and 3 larger places within 50 miles. What is available to Pine Bluffs's 1,121 borrowers is set by Wyoming licensing and your own credit, not by how many branches are nearby. The nearest larger city, Kimball, NE about 22 miles away.
The state rulebook for Pine Bluffs
When Wyoming does not publish a figure, the row links to the source instead of inventing a number; Pine Bluffs is bound by the same rules.
| 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 |
| Small-loan / installment lender licensing | Consumer Lender, Sales Finance Company, Post-Dated Check Casher, and Pawnbroker licenses via NMLS; licensing mandatory per location including online Source says: Licensing is mandatory for every location where business is regularly conducted | 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 |
Pine Bluffs on the map
Pine Bluffs's land area is roughly 4.0 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 282 residents per square mile. The state's population centre of gravity, Cheyenne, is roughly 37 miles away. Counting outward 50 miles, 3 larger communities surround Pine Bluffs. Within the same 50 miles lie 9 smaller Census places.
A practical checklist for Pine Bluffs borrowers
For Pine Bluffs's roughly 1,121 residents, these are the steps that most influence the offer:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Wyoming licence with the regulator listed on this page.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
The process is identical across Wyoming; what changes is your credit file, not the fact that Pine Bluffs holds 1,121 people.
Where Pine Bluffs sits in Wyoming
Within Wyoming, Pine Bluffs holds roughly 0.3% of all residents, the 40th-largest share among 99 places. For population change between 2020 and 2023, Pine Bluffs ranks 97th of 99 in Wyoming (about the 2th percentile). Its roughly 282 residents per square mile place it 78th among Wyoming's places. Within 50 miles sit 9 smaller Census places, alongside the 3 that are larger.
Common questions
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Nearby places
- Bushnell, NE — population 111
- Albin, WY — population 160
- Burns, WY — population 368
- Grover, CO — population 153
- Kimball, NE — population 2,192
- LaGrange, WY — population 378
- Dix, NE — population 183
- Raymer (New Raymer), CO — population 111