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Payday loans in Cheyenne, Wyoming

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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.

CashUSA Installment Loans

Our top pick: CashUSA

Need a quick cash loan as high as $10,000? This loan connection service could help.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Loan Term: 90 days to 72 months
  • Turnaround Time: As early as 1 business day
  • Requirements: Must have a monthly income of $1,000+ after taxes and valid checking account.

    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 December 16th, 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 Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    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.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    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
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    ACE Cash Express Short-term 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
    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.

    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.

    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*
    CashNetUSA Loan

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

    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.

    LendYou Short-term Loans

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

    Go to site