Personal loans in Powell, WY

Powell added about 1.2% to its population between the 2020 base and the 2023 estimate. With 6,488 residents, Powell outranks about 86% of the communities in Wyoming. The first question in Powell is not the rate on offer but whether the payment fits; about 6,488 people live here under Wyoming lending law. If debt is already a strain, a nonprofit credit counsellor can help Powell residents before they take on more. Lenders active in Powell report to a Wyoming supervisor, identified in the sourced rows below. The nearest larger city is Cody, WY about 22 miles away.

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.

Powell: population, trend and location

Set out below is Powell's local context next to the state-level rules that reach every lender here.

Powell's place among Wyoming's 99 places

Set beside Wyoming's 99 places, Powell ranks 14th by population and holds about 1.6% of the state total. On the 2020-to-2023 trend, Powell stands 44th among Wyoming's 99 places — roughly the 56th percentile. Its roughly 1,513 residents per square mile place it 10th among Wyoming's places. Between 2020 and 2023 the count changed by roughly 74 residents.

Borrowing reach in Powell

With about 1,513 residents per square mile, Powell is moderately settled, and 1 larger Census places sit within 50 miles. Lenders licensed in Wyoming reach Powell's 6,488 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Cody, WY about 22 miles away.

Where Powell sits

Powell covers about 4.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,513 residents per square mile. The largest place in Wyoming, Cheyenne, lies about 321 miles away. Within 50 miles of Powell there are 1 larger Census places. By land area it ranks 20th of 99 Wyoming places.

What a Powell borrower is actually offered

Most loans made to Powell's 6,488 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Powell. Because the payment is fixed, the total cost of a Powell loan is knowable in advance — unlike a revolving card balance.

Which Wyoming laws govern a loan in Powell

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

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
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
Small-loan / installment lender licensingConsumer 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

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