Your payday loan options in Cheyenne, Wyoming | finder.com
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Payday loans in Cheyenne, Wyoming

Getting a payday loan in Cheyenne can be easy if you know what to look for.

If you’re a resident of Cheyenne and are in need of a payday loan, you’ll need to learn about the laws regulating the industry in Wyoming. Find out how much you can borrow and what it will cost you in the guide below.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    How much can I borrow in Cheyenne?

    All payday lenders that operate in this city have to abide by Wyoming Statutes 40-14-362 and must obtain a license from the Department of Audit, Division of Banking. Online lenders offering loans to Cheyenne residents are also required to have this license.

    There is no maximum loan amount set by Wyoming law, but it’s best to only borrow as much as you need to avoid the financing fee, which can be the greater of either 20% per month or $30.

    Loan terms last one calendar month and lenders aren’t permitted to charge collections fees if you miss a payment or default.

    You can learn more about payday loans in Wyoming here

    How much will it cost to borrow a payday loan in Cheyenne?

    The costs of a loan entirely depend on how much you borrow. Since Wyoming law doesn’t specify a limit to the amount of money you can borrow, it’s up to you to determine how much you need and what you can afford.

    For any amount under $150, you will be charged a $30 financing fee. If you want to borrow more than that, you should expect to pay a 20% fee on the total amount of your loan. When you borrow $200, for instance, you will be charged $40. On your due date, you’ll be expected to pay back $240.

    All loan contracts should clearly outline the fees and total costs of your loan. Read over this carefully and pay attention to the fine print so you don’t find yourself short on the due date.

    A selection of cash advances you can apply for

    Rates last updated April 20th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    Varies by state
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    3 to 36 months
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    What are some positives to borrowing a payday loan in Cheyenne?

    • Restriction on repeat loans and rollovers. You won’t be able to use the money from one payday loan to pay for another. This is to prevent a buildup of costly fees. Instead of refinancing your loan, talk to your lender about a payment plan.
    • Bad credit is OK. Although traditional loans tend to use your credit history as the main factor when determining your approval, payday lenders are more likely to consider your entire financial situation when you apply..
    • Multiple options. If you don’t live or work near a payday lender’s store, you can compare your online options. You can find a lender that offers you the best terms when you shop around, so keep an open mind when you’re looking for a loan.

    Money for bills after a bike crash

    Nancy fractured her foot and damaged her bike in an accident. With the money she spent on treatment and bike repairs, she has little left to pay for her everyday bills. She doesn’t have a credit card and because of her low credit score, she isn’t sure she can get a personal loan.

    She applied for an online payday loan of $400. Since she has a steady income from her job, she was approved. The loan contract stated she would have to repay the loan by her next payday in 26 days. The lender charged her $80 in loan fees.

    On the due date, the lender debited $480, the entire amount due, via an electronic transfer from her bank account. As she paid the entire amount due, Nancy didn’t have to pay any additional costs.

    How to apply for a payday loan in Cheyenne

    If you’ve decided to take out a payday loan, follow these steps to increase your chances of getting approved.

    1. Find a lender on the table above.
    2. Click Go to Site or visit the lender’s storefront.
    3. Provide some personal information, like your name and Social Security number.
    4. Enter your employement details and income information.
    5. Enter your bank account information.
    6. Submit your application when you’re ready.
    7. How long you’ll have to wait depends on if you apply online or in-store. If you’re approved, be sure to read your loan contract carefully before you agree so you know how much the loan will cost.

      If you aren’t approved, check out your alternatives here

      Payday loans in Cheyenne, Wyoming

      Where to go for a payday loan in Cheyenne

        • Check into Cash. Cole Shopping Center
        • Thrifty Cash Services. E Lincolnway
        • Loan Stop. S Greeley Highway
        • Advance America. E Lincolnway and Greeley Highway
        • Advance Cash Services. W 17th Street
        • Cash Express. Logan Avenue

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site