Your payday loan options in Cheyenne, Wyoming |
cheyenne wyoming

Payday loans in Cheyenne, Wyoming

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Compare lenders and learn how state regulations impact short-term loans in your city.

Payday loans are available throughout Wyoming, and for residents of Cheyenne, that means you’ll have quite a few lenders to choose from. However, it also means you need to be wary: Not all loans are the same, and you may have to pay a high financing fee if you borrow a larger amount.

Our top pick: OppLoans Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

Our top pick: OppLoans Installment Loans

Comes with the option to change your due date so you won’t fall behind on repayments.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements

Can I get a payday loan in Cheyenne, Wyoming?

Yes. All payday lenders that operate in Cheyenne 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 — either 20% of the principal balance per month or $30, whichever is greater. There’s no set minimum loan term, but the there is a maximum. Loans can’t last more than one calendar month.

This means that for any amount under $150, your lender will charge 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. 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.

Compare payday loan providers in Cheyenne

Updated May 24th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.
Varies by state
1 business day
Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.

Compare up to 4 providers

What do I need to apply?

Typically, you’ll need to have a regular source of income, be a US citizen or permanent resident and be at least 18 years old in order to qualify. However, most lenders require you to meet extra eligibility criteria — like making a certain amount per month — before you can be approved.

When you’re ready to apply for a loan, you’ll have to provide some basic information about yourself. This includes:

  • Your full name, date of birth and Social Security number.
  • Your employment status and income, including how frequently you get paid.
  • Your bank account details, if applying online.

Many lenders will also ask for contact information and your address to confirm your identity.

Where to find short-term loan locations in Cheyenne

Short-term loan locations near me in Cheyenne, WY

  • 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

Must read: Be cautious of unlimited loan amounts

It can be tempting to borrow more than you need, especially when the state doesn’t set a limit on the amount you can borrow. However, the high fees lenders can charge make payday loans an expensive option — which means you shouldn’t borrow more than necessary so you can avoid paying those fees.

Most lenders do set their own limits and will base the amount you can borrow on your income. When you apply, read over your loan contract carefully to be sure you can repay what you borrow by the due date. And if you aren’t sure, you may want to consider a payday loan alternative instead.

What are my other short-term loan options in Cheyenne?

Unlike many states, Wyoming has regulations surrounding installment loans that limit the interest a lender can charge you. This can be handy — after all, you won’t have an APR higher than 36% when you borrow — but it also means you might not have as many options when searching for a lender in Cheyenne. Still, you may want to compare installment loan lenders to see if one offers terms that suit your budget.

Bottom line

Wyoming may put a few restrictions on payday loans in the state, but you’ll still have plenty of options when you’re looking for a lender in Cheyenne. Just be sure yours is licensed and follows all of Wyoming’s payday loan regulations.

And before you borrow, take the time to learn more about payday loans so you can make an informed decision that benefits you and your budget.

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US Payday Loans Offers

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CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

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Check into Cash Payday Loan

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

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OppLoans Installment Loans

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

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LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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