Personal loans in Wyoming, NY
Population in Wyoming dropped about 1.8% over the three years from 2020 to 2023. Wyoming counts about 378 people, and what is genuinely local about borrowing here is limited — New York law does the governing.
At about 378 residents, Wyoming is larger than roughly 7% of the places in New York. The next larger city is Warsaw, NY about 6 miles away. Consumer lending that reaches Wyoming's 378 residents is governed by New York statute; no city ordinance changes it. Verify the lender's New York licence against the regulator named below before borrowing in Wyoming.
Local context for Wyoming
Read the local figures below as context; read the sourced New York table as the rulebook a lender here must follow.
- Population: a Census-estimated 378, 555th among New York's 595 places (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 1.8%.
- Net change: roughly 7 fewer people than the 2020 Census counted.
- Size percentile: about 7% of New York communities are smaller than Wyoming (378 residents).
- Density: roughly 544 residents per square mile, spread over 0.7 sq mi of land.
- By land area: Wyoming ranks 483rd among New York's 595 places, at 0.7 sq mi.
- State share: roughly 0.0% of New York's residents live in Wyoming (378 people).
- National standing: Wyoming ranks 14,312th of 19,457 US places.
- Growth in New York: Wyoming stands 374th by percentage change from 2020 to 2023, among 595 places.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Wyoming's 1.8%.
- Density rank: Wyoming places 521st among New York's places by people per square mile.
- Density vs New York: Wyoming's 544 people per square mile compare with a state median of 1,515.
- Location: 42.8240, -78.0844 (US Census Bureau Gazetteer).
- Nearest larger cities: Warsaw (6 mi); Perry (8 mi); Leicester (10 mi); Attica (10 mi); Alexander (10 mi). Living near a larger metro rarely changes what is available in Wyoming.
- Nearest smaller towns: Gainesville (13 mi); Ellicottville (48 mi); Farnham (53 mi).
- Within a 50-mile radius: 2 smaller Census places.
- Larger places within 100 miles: 205.
Where Wyoming sits in New York
Wyoming is the 555th-largest of 595 Census places in New York and contains about 0.0% of the state's people. For population change between 2020 and 2023, Wyoming ranks 374th of 595 in New York (about the 37th percentile). Its roughly 544 residents per square mile place it 521st among New York's places. In land area, Wyoming ranks 483rd among New York's 595 places.
Lender access in Wyoming
At roughly 544 people per square mile, Wyoming is moderately settled; 85 larger places lie within 50 miles. Whether Wyoming has a local branch or not, a New York-licensed lender can serve its 378 people online on the same terms. The nearest bigger place is Warsaw, NY about 6 miles away.
The state rulebook for Wyoming
Read the table as a lender's compliance picture for Wyoming: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | New York State Department of Financial Services (DFS) Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York" | New York State Department of Financial Services as of 2026-09-16 |
| Small-loan / installment lender licensing | Licensed Lender license required (Banking Law Article 9, sections 340-361); administered via NMLS Source says: "The Department of Financial Services uses the Nationwide Multistate Licensing System and Registry (NMLS) to manage the Licensed Lender License." | New York State Department of Financial Services as of 2026-09-16 |
| Criminal usury in the second degree (Penal Law 190.40) | Interest rate exceeding 25% per annum; class E felony Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period" | New York State Senate (Open Legislation) as of 2026-09-16 |
What shapes a Wyoming personal loan
In Wyoming, a small community of about 378, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Wyoming's 378 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Wyoming loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Wyoming: area, density and distance
Wyoming's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 544 residents per square mile. The state's population centre of gravity, New York, is roughly 261 miles away. Wyoming has 85 larger places within a 50-mile radius. The 100-mile radius contains 205 larger places.
Common questions
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Nearby places
- Warsaw, NY — population 3,629
- Perry, NY — population 3,584
- Silver Springs, NY — population 720
- Le Roy, NY — population 4,265
- Gainesville, NY — population 224
- Alexander, NY — population 496
- Leicester, NY — population 456
- Castile, NY — population 988