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Compare your loan options in Wyoming

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

Elizabeth Barry

Updated Apr 27, 2020

Fact checked

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.

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.

{"niche":"USFSL","state":"wy"}

Name	Max. Loan Amount	Turnaround time	Requirements
OppLoans Installment Loans	$5,000	1 business day	Direct deposit, meet minimum income requirements, live in eligible state	Comes with the option to change your due date so you won’t fall behind on repayments.	Go to site More Info	loading Fetching your data...
Check Into Cash Installment Loans	$3,000	1 to 2 business days	Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California	Borrow money with lower payments and more time to pay than a traditional payday loan.	Go to site More Info	loading Fetching your data...
Fast5kLoans Short-term Loans Connection Service	$35,000	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.	Go to site More Info	loading Fetching your data...
LendYou Short-term Loans	$15,000	Same business day to 1 business days	$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.	Go to site More Info	loading Fetching your data...
Possible Finance Mobile Installment Loans	$500	As fast as 1 business day	Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+	Borrow up to $500 with just a few swipes — but only for residents of 5 states.	Go to site More Info	loading Fetching your data...
BadCreditLoans.com	$5,000	Varies	Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.	With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.	Go to site More Info	loading Fetching your data...

Compare up to 4 providers

MUST READ:

The Consumer Financial Protection Bureau (CFPB) no longer requires lenders to consider your ability to repay a loan. This could put you at risk of getting caught in a cycle of debt. Carefully review your finances and the loan cost to make sure it fits your budget.

Before you take out a short-term loan

Payday loans, installment loans and auto title loans come with high rates and fees which can trap you in a cycle of debt. Borrowers may find themselves taking out a second or third loan because they couldn't pay back the first one on time.

Consider alternatives before opting for a short-term loan:

Local resources. Government agencies, nonprofits and local charities often offer free financial services and help with food, utilities and rent for those in need.
Payment extensions. Talk with your bill providers about a longer payment plan or extension on your due date if you're behind on payments.
Side jobs. Today's digital marketplace offers the ability to more easily sell unwanted items, sign up for food delivery or drive for rideshare services.

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 Wyoming	Payday Loan Locations
Casper	View Payday Loans in Casper, WY
Cheyenne	View Payday Loans in Cheyenne, WY
Cody	View Payday Loans in Cody, WY
Douglas	View Payday Loans in Douglas, WY
Evanston	View Payday Loans in Evanston, WY
Gillette	View Payday Loans in Gillette, WY
Green River	View Payday Loans in Green River, WY
Jackson	View Payday Loans in Jackson, WY
Laramie	View Payday Loans in Laramie, WY
Lyman	View Payday Loans in Lyman, WY
Mountain View	View Payday Loans in Mountain View, WY
Rock Springs	View Payday Loans in Rock Springs, WY
Sheridan	View Payday Loans in Sheridan, WY
Torrington	View 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?

Thank you for your feedback!

Elizabeth Barry

Elizabeth Barry is Finder's global fintech editor. She has written about finance for over six years and has been featured in a range of publications and media including Seven News, the ABC, Mamamia, Dynamic Business and Financy. Elizabeth has a Bachelor of Communications and a Master of Creative Writing from the University of Technology Sydney. In 2017, she received the Highly Commended award for Best New Journalist at the IT Journalism Awards. Elizabeth's passion is writing about innovations in financial services (which has surprised her more than anyone else).

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