Personal loans in Wyoming, DE

To lend to Wyoming's 1,868 residents, a company must hold a Delaware licence, and each sourced row below names the regulator behind it. Two households in Wyoming with comparable incomes can still be offered different rates; the city's 1,868 residents are not the reason. Roughly 1,868 residents live in Wyoming, the 26th-largest community in Delaware. The 2020 count to the 2023 estimate shows about 11.2% growth in Wyoming. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Wyoming loan. For a bigger market, look to Camden, DE about 1 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.

Wyoming by the numbers

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

How a Wyoming personal loan is priced

With roughly 1,868 residents, Wyoming is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Wyoming's 1,868 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Wyoming decides the split between a comfortable payment and the total interest you pay.

Before you apply in Wyoming

A sensible order of operations for a loan in Wyoming, home to about 1,868 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Delaware licence with the regulator listed on this page.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Make sure the new payment leaves room in a budget you already keep.

What differs between Wyoming and the rest of Delaware is not the process but the borrower's own file, among the 1,868 people here.

Land, water and location for Wyoming

Inside Wyoming's boundaries lie roughly 1.0 square miles of land and 0.02 square miles of water. Spread across it are roughly 1,784 residents per square mile. For the state's biggest city, Wilmington, the distance is roughly 43 miles. Wyoming has 59 larger places within a 50-mile radius. By land area it ranks 31st of 57 Delaware places.

How Wyoming compares across Delaware

Within Delaware, Wyoming holds roughly 0.6% of all residents, the 26th-largest share among 57 places. For population change between 2020 and 2023, Wyoming ranks 4th of 57 in Delaware (about the 93th percentile). By density, at about 1,784 people per square mile, it ranks 14th in Delaware. By land area, its 1.0 square miles rank 31st of 57 places in Delaware.

What Delaware law requires in Wyoming

For the roughly 1,868 residents of Wyoming, the rules below are Delaware's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorDelaware Office of the State Bank Commissioner (OSBC)
Source says: "The Office of the State Bank Commissioner is responsible for regulating and examining State-chartered banks and trust companies and licensed financial services businesses".
Delaware Office of the State Bank Commissioner
as of 2026-09-16
Maximum legal interest rate (usury cap)5% over the Federal Reserve discount rate; no rate limit for loans over $100,000 (licensed lenders may set rates by agreement under 5 Del. C. § 2229)
Source says: "interest at any rate agreed upon in writing not in excess of 5% over the Federal Reserve discount rate"; "there shall be no limitation on the rate of interest which may be legally charged for the loan or use of money".
Delaware General Assembly — 6 Del. C. § 2301
as of 2026-09-16
Payday lending statusPermitted as 'short-term consumer loans' (≤$1,000, stated term under 60 days); max 5 per borrower per 12 months; max 4 rollovers
Source says: "a short-term consumer loan that would cause the borrower to have more than 5 short-term consumer loans from all licensees in any 12-month period"; "No licensee shall make more than 4 rollovers of an existing short-term consumer loan".
Delaware General Assembly — 5 Del. C. §§ 2227, 2235A
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 Wyoming 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 Wyoming is the same as anywhere in Delaware.
What loan size can I expect in Wyoming?
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 Wyoming?
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 Wyoming 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.

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