Personalloaner

Wyoming lending rules

Personalloaner covers 99 Census places in Wyoming, which together hold an estimated 401,086 people. Licensed lenders set personal-loan terms here under Wyoming law, and the sourced rules below reach every borrower in the state.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Key rules for borrowers in Wyoming

RuleDetailSource
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
Payday lending status Legal 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 licensing Consumer 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
State lending regulator Wyoming 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

Places we cover in Wyoming

The Census Bureau counts 99 places in Wyoming, and the largest are linked below.

Compare personal loan offers Run the numbers first

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

How high can interest rates legally go in Wyoming?
The answer turns on the product and on which statute applies to it. This page's table sets out Wyoming's usury cap and licensing rules, and each row carries its publisher and a link to the primary source.
What is Wyoming's position on payday lending?
Each state handles payday lending on its own: some permit it, some cap it, some prohibit it. The sourced row on this page gives Wyoming's current position.
How do I know a lender is licensed in Wyoming?
Consumer lenders generally need a licence issued by the state regulator identified on this page. Verify that licence with the regulator before you commit to anything.

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