Before applying for a payday loan in Wyoming, make sure you know the rules and regulations

When you’re struggling to make ends meet, a payday loan can be a good way to get through a financial slump. If you’re a resident of Wyoming, you should learn about the costs of a payday loan before borrowing so you can be sure you’re getting the best terms possible.

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How does payday lending in Wyoming work?

All payday loans fall under Wyoming Statutes 40-14-362. A payday lender should have a valid post-dated check casher license obtained from the Department of Audit, Division of Banking under the Wyoming Uniform Consumer Credit Code.

A payday lender should make available its fees schedule along with borrowers’ rights and obligations when requested. Wyoming payday loan laws don’t specify the maximum amount you can borrow through a payday loan. You cannot use the proceeds of a payday loan to repay, refinance, or consolidate another payday loan.

Here are the terms and costs of payday loans:

• Maximum loan amount: None
• Maximum loan term: One calendar month
• Finacing fees: Either 20% per month or $30, whichever is greater
• APR: A 14-day $100 loan has an APR of 780%
• Collection fees: None

You can have any number of payday loans out at once, but remember that the more loans you have, the higher the costs will be. Wyoming law doesn’t permit borrowers to roll over or refinance a payday loan, meaning if you can’t afford to repay, you’ll likely accumulate even more debt.

Always read the terms of your loan before you sign to be sure you can afford to borrow.

Take a look at these lenders when you’re comparing payday loans

Check the websites of any providers you’re interested in to confirm they operate in Wyoming.

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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	Go to site More	Compare	loading Fetching your data...
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.	Go to site More	Compare	loading Fetching your data...
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.	Go to site More	Compare	loading Fetching your data...
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.	Go to site More	Compare	loading Fetching your data...
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.	Go to site More	Compare	loading Fetching your data...
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.	Go to site More	Compare	loading Fetching your data...
LendUp Payday Loans		LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.	$250	generally receive the money the next business day	Be 18+ years of age and have a checking account that can accept electronic transfers.	Go to site More	Compare	loading Fetching your data...

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Here’s what you’ll need to apply

Whether you’re applying in-store or online, you’ll need to be at least 18 years old, a US citizen or permanent resident and have a regular source of income.

When you’re ready to get started on your application, you’ll need to give some personal information about yourself so the lender can verify your identity and ability to repay the loan. This includes

• Your name, date of birth, address, email and phone number
• Your Social Security number and a valid form of ID
• Your employment status and gross monthly income

If you choose to apply online, you’ll likely have to provide access to your checking account. This is so the lender can deposit your loan and debit the payment when it’s due.

Are there other options besides payday loans?

If you don’t want to take out a payday loan and don’t need cash immediately, Wyoming has a few assistance programs that could be helpful when you’re trying to pay your everyday bills. Things like the Wyoming Supplemental Nutrition Assistance Program (SNAP), Heating Assistance program and the Unemployment Insurance Division can help you when you’re in a tight place financially.

Other options for quick cash include taking out a credit card cash advance, applying for an installment loan or finding a way to make money on the side.

Our page on payday loan alternatives has all the details you’ll need

Bottom line

If you’re struggling to make ends meet and need a little boost, a payday loan can be a good way to get by. You’ll need to be sure you can pay it back, but if you have bad credit and need just a little bit of money, applying for a payday loan could be the difference between paying your bills and dealing with late fees.

Payday Loan Locations In Wyoming

Do you have any more questions about payday loans?

• Where can I go if I have a complaint about a payday lender?

  The Wyoming Division of Banking handles all complaints about payday lenders and loans.

• If I can’t pay my payday loan on time, can I ask my lender for a repayment plan?

  Yes, but you can only do this once every 12 months. You’ll repay your loan in 4 equal installments over 60 days.

• Is there a cooling off period between loans?

  Wyoming law doesn’t specify a cooling off period, but it’s a good idea to wait between loans to avoid the high cost of interest.