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.
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.
- Population: 1,868 residents; Wyoming is the 26th-largest of 57 places in Delaware (US Census Bureau, Vintage 2023).
- Population trend: Roughly 11.2% more residents than the 2020 Census counted.
- Net change: roughly 188 more people than the 2020 Census counted.
- Size percentile: Wyoming's 1,868 people outrank roughly 54% of the places in Delaware.
- Population density: about 1,784 people per square mile (Census land area 1.0 sq mi).
- By land area: Wyoming ranks 31st among Delaware's 57 places, at 1.0 sq mi.
- Water: Wyoming holds about 0.02 square miles, the 19th-largest water area in Delaware.
- Share of Delaware: Wyoming holds about 0.6% of the state's population, some 1,868 people.
- National standing: Wyoming ranks 7,868th of 19,457 US places.
- Growth in Delaware: Wyoming stands 4th by percentage change from 2020 to 2023, among 57 places.
- State comparison: Delaware's places average +6.8% for 2020-to-2023, against Wyoming's 11.2%.
- Density rank: Wyoming is the 14th most densely settled place in Delaware.
- Against the state median: Wyoming runs about 1,784 residents per square mile, where the Delaware median is 1,284.
- Location: 39.1124 / -75.5649, per the US Census Bureau Gazetteer.
- Nearest larger cities: Camden (1 mi); Dover (4 mi); Cheswold (7 mi); Clayton (12 mi); Smyrna (13 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Woodside (3 mi); Viola (5 mi); Magnolia (6 mi), each with its own Census population profile.
- Smaller neighbours: 72 places smaller than Wyoming sit within 50 miles.
- Larger places within 100 miles: 309.
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:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Delaware licence with the regulator listed on this page.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
- 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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Delaware 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 status | Permitted 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 |
Common questions
What are my options in Wyoming if my credit is poor?
What loan size can I expect in Wyoming?
Do I have to pledge anything to borrow in Wyoming?
Does comparing loans in Wyoming cost me credit score points?
Nearby places
- Camden, DE — population 4,188
- Woodside, DE — population 195
- Dover, DE — population 39,894
- Viola, DE — population 147
- Magnolia, DE — population 285
- Felton, DE — population 1,356
- Cheswold, DE — population 2,257
- Little Creek, DE — population 200