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Compare your loan options in Wyoming (2026)

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

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Elizabeth Barry

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When you have unplanned expenses and are on a tight budget, a payday loan could be helpful. Payday loans, a type of short-term loan, give you quick access to money when you need it. Read on to find out about the laws in Wyoming and everything else you should know about how payday advances work.

Key takeaways

  • Payday loans are legal in Wyoming with no maximum loan amount — unlike most states, Wyoming sets no cap on how much you can borrow, which means lenders can offer larger loans but also means higher potential debt if you're not careful.
  • The cost is significant: a 14-day $100 loan carries an APR of 780%, with financing fees set at either 20% per month or $30, whichever is greater. Loans are capped at one calendar month in term.
  • Rollovers and refinancing are not permitted under Wyoming law — you also can't use one payday loan to pay off another, so if you can't repay on time, your debt can escalate quickly with no easy way out.
  • You can request a repayment plan if you're struggling, but only once every 12 months — this lets you repay the balance in four equal installments over 60 days. Complaints about lenders should be directed to the Wyoming Division of Banking.
  • State assistance programs and lower-cost alternatives are worth trying first — Wyoming's SNAP, Heating Assistance and Unemployment Insurance programs can help with everyday bills, while installment loans, cash advance apps and credit card advances all carry significantly lower costs than a payday loan.
This summary was generated by AI and may contain errors or omissions.
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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.

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.

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

Cities in WyomingPayday Loan Locations
CasperView Payday Loans in Casper, WY
CheyenneView Payday Loans in Cheyenne, WY
CodyView Payday Loans in Cody, WY
DouglasView Payday Loans in Douglas, WY
EvanstonView Payday Loans in Evanston, WY
GilletteView Payday Loans in Gillette, WY
Green RiverView Payday Loans in Green River, WY
JacksonView Payday Loans in Jackson, WY
LaramieView Payday Loans in Laramie, WY
LymanView Payday Loans in Lyman, WY
Mountain ViewView Payday Loans in Mountain View, WY
Rock SpringsView Payday Loans in Rock Springs, WY
SheridanView Payday Loans in Sheridan, WY
TorringtonView Payday Loans in Torrington, WY

Payday Loans in Casper, WY

  • Ace Investment Group Inc – 229 S Elk St Casper WY, 82601 – Tel: (307)-265-6162
  • Advance America – 235 South Montana Avenue Casper WY, 82609 – Tel: (307)-237-9495
  • B & R Check Holders – 307 Thelma Drive Casper WY, 82609 – Tel: (307)-266-2274
  • B & R Check Holders – 315 Thelma Dr Casper WY, 82609 – Tel: (307)-266-2274
  • Cash Advantage – 2151 E 12th St Casper WY, 82601 – Tel: (307)-234-3405
  • Check Cashing Center – 510 North Center Street Casper WY, 82601 – Tel: (307)-266-4105
  • Check Cashing Center – 1230 S Beverly St Casper WY, 82609 – Tel: (307)-266-3105
  • Check Into Cash – 3510 E 2nd St Casper WY, 82609 – Tel: (307)-237-1141
  • Checkrite – 510 North Center Street Casper WY, 82601 – Tel: (307)-266-6601
  • Fast Cash – 1835 Cy Ave Casper WY, 82604 – Tel: (307)-237-1322
  • Fast Cash Eastside Location – 1123 S Beverly St Casper WY, 82609 – Tel: (307)-261-9915
  • Mister Money – 516 E Yellowstone Hwy Casper WY, 82601 – Tel: (307)-235-5626
  • Money Lenders – 1444 East 2nd Street Casper WY, 82601 – Tel: (307)-472-0193
  • Money Lenders – 1905 Kit Carson Avenue Casper WY, 82604 – Tel: (307)-234-0667
  • Money Lenders – 2300 Cy Ave Casper WY, 82604 – Tel: (307)-237-0667
  • Money Now – 1728 E 2nd St Casper WY, 82601 – Tel: (307)-265-2658
  • Rocky Mountain Money – 635 East 21st Street Casper WY, 82601 – Tel: (307)-266-6077
  • Rocky Mountain Recovery Inc – 400 East 1st Street Suite 312 Casper WY, 82601 – Tel: (307)-266-5556
  • United Pawn Brokers – 1301 South Wisconsin Avenue Casper WY, 82609 – Tel: (307)-265-3889

Payday Loans in Cheyenne, WY

  • Ace America’s Cash Express – 2206 Dell Range Boulevard Suite H Cheyenne WY, 82009 – Tel: (307)-778-3012
  • Acsi Check Services – 407 South 21 Cheyenne WY, 82001 – Tel: (307)-742-4340
  • Advance America – 3709 East Lincolnway Cheyenne WY, 82001 – Tel: (307)-632-0389
  • Advance America Cash Advance – 3610 Dell Range Boulevard Cheyenne WY, 82009 – Tel: (307)-635-6600
  • Advantage – 803 S Greeley Hwy Cheyenne WY, 82007 – Tel: (307)-638-4990
  • B & R Check Holders – 218 South Greeley Highway Cheyenne WY, 82007 – Tel: (307)-772-0020
  • Capitol Recoveries Inc – 3151 East Nationway Unit K9 Cheyenne WY, 82001 – Tel: (307)-638-1865
  • Check Into Cash – 303 Cole Shopping Centre Cheyenne WY, 82001 – Tel: (307)-778-9919
  • Checkman Inc – 722 E Lincolnway Cheyenne WY, 82001 – Tel: (307)-634-2107
  • Handy Cash – 107 E 8th Ave Cheyenne WY, 82001 – Tel: (307)-635-2844
  • Lincoln Pawn – 2400 E Lincolnway Cheyenne WY, 82001 – Tel: (307)-632-3820
  • Mister Money – 2470 Dell Range Blvd Cheyenne WY, 82009 – Tel: (307)-433-1241
  • Mister Money – 817 E Lincolnway Cheyenne WY, 82001 – Tel: (307)-778-2883
  • Quik Check – 1802 Dell Range Boulevard Cheyenne WY, 82009 – Tel: (307)-635-3035
  • Quik Check Exchange – 515 East Pershing Boulevard Cheyenne WY, 82001 – Tel: (307)-635-3200
  • Rocky Mountain Financial – 1217 East Pershing Boulevard Cheyenne WY, 82001 – Tel: (307)-432-9111
  • Thrifty Cash Services – 619 East Lincolnway Cheyenne WY, 82001 – Tel: (307)-634-2081

Payday Loans in Cody, WY

  • Checkrite-Collection Professionals Inc – 1736 Sheridan Avenue Cody WY, 82414 – Tel: (307)-587-4761

Payday Loans in Douglas, WY

  • Check Into Cash – 1954 E Richards St Douglas WY, 82633 – Tel: (307)-358-3886
  • Fast Cash – 322 Center Street Douglas WY, 82633 – Tel: (307)-358-9633

Payday Loans in Evanston, WY

  • Usa Cash Services – 100 8th Street Evanston WY, 82930 – Tel: (307)-783-7777

Payday Loans in Gillette, WY

  • 4 T Pawn – 102 East Lakeway Road Gillette WY, 82718 – Tel: (307)-686-5757
  • B & R Check Holders – 900 Camel Drive Suite A Gillette WY, 82716 – Tel: (307)-685-3111
  • Check Into Cash – 1103 E Boxelder Rd Gillette WY, 82718 – Tel: (307)-682-5405
  • Check Solutions-Collection Professionals – 100 Warren Avenue Gillette WY, 82716 – Tel: (307)-682-0674
  • Ez Cash – 801 East 4th Street Suite 15 Gillette WY, 82716 – Tel: (307)-686-1762
  • Money Lenders – 500 Or Drive Suite 4 Gillette WY, 82718 – Tel: (307)-682-6395
  • Whitetail – 801 East 4Th Street Suite 13 Gillette WY, 82716 – Tel: (307)-682-7677
  • Whitetail Cash Advance Inc – 511 E 4th St Gillette WY, 82716 – Tel: (307)-682-7677

Payday Loans in Green River, WY

  • Check Rite – Green River Green River WY, 82935 – Tel: (307)-875-3940
  • E Z Cash – 180 Uinta Dr Green River WY, 82935 – Tel: (307)-875-7200
  • Quick Cash – 560 East Flaming Gorge Way Green River WY, 82935 – Tel: (307)-875-6400
  • Quick Cash Inc – 685 Uinta Dr Green River WY, 82935 – Tel: (307)-875-6400

Payday Loans in Jackson, WY

  • Check Into Cash – 945 W Broadway Jackson WY, 83001 – Tel: (307)-734-0393
  • Check Into Cash – Po Box 6933 6933 Jackson WY, 83002 – Tel: (307)-734-3874
  • Money Before Payday – 1150 State Highway 22 Jackson WY, 83001 – Tel: (307)-732-0072

Payday Loans in Laramie, WY

  • Advance America – 570 North 3rd Street Laramie WY, 82072 – Tel: (307)-745-6730
  • B & R Check Holders – 1152 North 4th Street Laramie WY, 82072 – Tel: (307)-742-3211
  • Check Into Cash – 2900 E Grand Ave Laramie WY, 82070 – Tel: (307)-742-1300
  • Credicheck Of Wyoming – 410 East Grand Avenue Laramie WY, 82070 – Tel: (307)-742-4340
  • Mister Money – 570 N 3rd St Ste 1 Laramie WY, 82072 – Tel: (307)-721-0485
  • Mister Money-Usa – 308 South 3rd Street Suite C Laramie WY, 82070 – Tel: (307)-721-0485
  • Money Lenders – 163 North 4th Street Laramie WY, 82072 – Tel: (307)-755-1744
  • Money Lenders – 211 S 3rd St Laramie WY, 82070 – Tel: (307)-755-1744

Payday Loans in Lyman, WY

  • Frontier Roofing Inc – Lyman Lyman WY, 82937 – Tel: (307)-786-4101
  • Money To Go – 39950 Business Loop 80 Lyman WY, 82937 – Tel: (307)-786-4101

Payday Loans in Mountain View, WY

  • Frontier Roofing Inc – Po Box 453 Mountain View WY, 82939 – Tel: (307)-786-4101

Payday Loans in Rock Springs, WY

  • A & A Check Cashing House – 1643 Elk St Rock Springs WY, 82901 – Tel: (307)-382-5433
  • B & R Check Holders – 515 Center Street Rock Springs WY, 82901 – Tel: (307)-362-0500
  • B & R Check Holders – 2201 Foothill Blvd Rock Springs WY, 82901 – Tel: (307)-362-0500
  • Check Rite – 507 Broadway Street Rock Springs WY, 82901 – Tel: (307)-382-2552
  • E Z CASH – 2400 Foothill Blvd Ste 1 Rock Springs WY, 82901 – Tel: (307)-382-6322
  • Money Lenders – 2702 Commercial Way Rock Springs WY, 82901 – Tel: (307)-265-6162
  • Money Lenders – 1977 Dewar Dr Ste B Rock Springs WY, 82901 – Tel: (307)-382-6322
  • Rocky Mountain Service Bureau – 110 Center Street Rock Springs WY, 82901 – Tel: (307)-875-3940
  • Title Loan Inc – 2400 Foothill Blvd Rock Springs WY, 82901 – Tel: (307)-362-2011
  • Usa Cash Services – 1459 Dewar Drive Rock Springs WY, 82901 – Tel: (307)-362-1777

Payday Loans in Sheridan, WY

  • Collection Professionals-Check Solutions – 1117 Coffeen Avenue Sheridan WY, 82801 – Tel: (307)-672-6424
  • E Z Cash – 1230 North Main Street Sheridan WY, 82801 – Tel: (307)-673-7540
  • Money Lenders – 755 East Brundage Lane Sheridan WY, 82801 – Tel: (307)-673-4781

Payday Loans in Torrington, WY

  • Heartland Cash Advance – 1902 W A St Torrington WY, 82240 – Tel: (307)-534-2274
  • MONEY 4 U – 208 E Valley Rd Torrington WY, 82240 – Tel: (307)-532-2488

Do you have any more questions about payday loans?

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Elizabeth Barry is Digital Managing Editor for Entertainment at Are Media and formerly the lead editor for Finder's global financial niches which includes banking, crypto and investments. She has written about finance for 10 years and specialises in personal finance, including new and emerging areas of banking in Australia and globally. Elizabeth is regularly featured in a range of publications and media including Seven News, the ABC, MSN, the Irish Times and Singapore Business Review. See full bio

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