Personal loans in Thermopolis, WY

Thermopolis is one of 99 Census places in Wyoming; its 2,742 residents put it at 24th. The roughly 2,742 people who live in Thermopolis borrow under Wyoming rules; city hall sets no personal-loan rate.

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.

Pull your credit reports and line up at least three offers before you apply from Thermopolis. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Thermopolis's 2,742 residents. Thermopolis added about 0.8% to its population between the 2020 base and the 2023 estimate. The next larger city is Worland, WY about 29 miles away.

Thermopolis: population, trend and location

What follows is Thermopolis's place in the Census record, alongside the Wyoming rules that govern a personal loan made here.

What Wyoming law requires in Thermopolis

This table holds the Wyoming rate and licensing rules for consumer loans made to Thermopolis's 2,742 residents.

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
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
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

Thermopolis's place among Wyoming's 99 places

Thermopolis is the 24th-largest of 99 Census places in Wyoming and contains about 0.7% of the state's people. For population change between 2020 and 2023, Thermopolis ranks 49th of 99 in Wyoming (about the 51th percentile). By density, at about 1,148 people per square mile, it ranks 23rd in Wyoming. The population moved by about 21 people between 2020 and 2023, a 0.8% shift.

What shapes a Thermopolis personal loan

A Thermopolis personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,742 residents. Because pricing is borrower-level, two people in Thermopolis can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Thermopolis loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Thermopolis

Thermopolis's land area is about 2.4 square miles; a further 0.08 square miles is water. With 2,742 residents, the land area yields roughly 1,148 people per square mile. Cheyenne, the largest place in Wyoming, is about 247 miles from Thermopolis. Within 50 miles of Thermopolis there are 2 larger Census places. Within the same 50 miles lie 7 smaller Census places.

Borrowing reach in Thermopolis

At roughly 1,148 people per square mile, Thermopolis is moderately settled; 2 larger places lie within 50 miles. Lenders licensed in Wyoming reach Thermopolis's 2,742 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Worland, WY about 29 miles away.

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

Related