Personal loans in Pinedale, WY
A lender that serves Pinedale operates under Wyoming lending statutes and a Wyoming supervisor. Pinedale is home to roughly 2,034 people and stands 31st by size out of 99 Census places in Wyoming. Pinedale counts about 2,034 people, and what is genuinely local about borrowing here is limited — Wyoming law does the governing. Population in Pinedale climbed about 1.4% over the three years from 2020 to 2023. Rate-shopping from Pinedale costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Borrowers who want a bigger city can look to Afton, WY about 55 miles away.
Where Pinedale stands
Most of what governs a Pinedale loan is written in Wyoming law rather than in the city; the sourced notes below make that split concrete.
- Population: 2,034 residents; Pinedale is the 31st-largest of 99 places in Wyoming (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 1.4% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 29 residents.
- Size percentile: Pinedale sits ahead of around 69% of Wyoming places, at 2,034 people.
- Land and density: 2.2 square miles of land carry roughly 940 residents per square mile.
- By land area: Pinedale ranks 43rd among Wyoming's 99 places, at 2.2 sq mi.
- Within Wyoming: about 0.5% of the state's population lives in Pinedale.
- National rank: Pinedale is 7,562nd of 19,457 places nationwide.
- Growth rank: Pinedale's 2020-to-2023 change ranks 40th of 99 places in Wyoming.
- Against the state trend: Pinedale's 1.4% change compares with a Wyoming average of +1.7% across its 99 places.
- Density rank: Pinedale places 38th among Wyoming's places by people per square mile.
- Density in context: Pinedale's 940 people per square mile sit against a Wyoming median of 699.
- Location: it lies at 42.8676, -109.8705 in the Census Gazetteer.
- Nearest larger cities: Afton (55 mi); Star Valley Ranch (56 mi); Lander (58 mi); Jackson (62 mi); Riverton (76 mi). Living near a larger metro rarely changes what is available in Pinedale.
- Smaller communities close by: Marbleton (24 mi); Big Piney (26 mi); La Barge (45 mi), each with its own Census population profile.
- Within a 50-mile radius: 4 smaller Census places.
- At 100 miles: 13 larger Census places fall inside that radius.
The Pinedale borrowing checklist
For Pinedale's roughly 2,034 residents, these are the steps that most influence the offer:
- 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.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a Wyoming licence by checking the regulator named above.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
The process is identical across Wyoming; what changes is your credit file, not the fact that Pinedale holds 2,034 people.
The anatomy of a Pinedale personal loan
With roughly 2,034 residents, Pinedale 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 Pinedale lender to disclose the APR and finance charge before you sign. The term you choose in Pinedale decides the split between a comfortable payment and the total interest you pay.
Pinedale: area, density and distance
Pinedale's land area is roughly 2.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 940 residents per square mile. Cheyenne, the largest place in Wyoming, is about 287 miles from Pinedale. Counting outward 50 miles, 0 larger communities surround Pinedale. Within the same 50 miles lie 4 smaller Census places.
The Wyoming lending rules that reach Pinedale
For the roughly 2,034 residents of Pinedale, the rules below are Wyoming's own; each row carries its publisher and retrieval date.
| 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 |
How Pinedale compares across Wyoming
Among Wyoming's 99 places, Pinedale sits at 31st for population, a share of roughly 0.5% of the state. Its 2020-to-2023 change ranks 40th of 99 Wyoming places, putting it near the 60th percentile for growth. At about 940 people per square mile, Pinedale is the 38th most densely settled place in Wyoming. Between 2020 and 2023 the count changed by roughly 29 residents.
Common questions
What are my options in Pinedale if my credit is poor?
What loan size can I expect in Pinedale?
Do I have to pledge anything to borrow in Pinedale?
Does comparing loans in Pinedale cost me credit score points?
Nearby places
- Marbleton, WY — population 861
- Big Piney, WY — population 396
- La Barge, WY — population 396
- Dubois, WY — population 990
- Afton, WY — population 2,270
- Jackson, WY — population 10,639
- Star Valley Ranch, WY — population 2,042
- Thayne, WY — population 433