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Payday Loans in Wyoming

Compare licensed lenders • Check WY regulations • Apply online

Last updated: June 2026

Max Loan
$2,000
Cities Covered
0
Legal Status
Legal
Population
576,851

Wyoming Payday Loan Regulations

Max Loan Amount:$2,000
Max Term:60 days
Typical APR:780%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Wyoming are regulated by Division of Banking. Maximum $2,000 with typical APR up to 780%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Wyoming

Payday loans in Wyoming are regulated by Division of Banking. Maximum $2,000 with typical APR up to 780%.

Wyoming is located in the West region of the United States with a population of 576,851.

Key Regulations:

  • Maximum APR: 780%
  • Maximum loan amount: $2,000
  • Maximum term: 60 days
  • Rollovers allowed
  • Regulated by Wyoming Division of Banking

Regulatory Authority: Wyoming Division of Banking
Official Website: https://wyomingbankingdivision.wyo.gov/

Representative Example APR in Wyoming

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Wyoming depend on lender pricing, term length, and state compliance limits.

Cities in Wyoming

Browse all 0 city pages in Wyoming

Frequently Asked Questions – Wyoming

Are payday loans legal in Wyoming?
Yes, payday loans are legal in Wyoming. The state is regulated by the Wyoming Division of Banking, which oversees all payday lenders. Payday loans in Wyoming are regulated by Division of Banking. Maximum $2,000 with typical APR up to 780%.
What is the maximum payday loan amount in WY?
The maximum payday loan amount in Wyoming is $2,000. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Wyoming?
In Wyoming, payday loans typically have a maximum term of 60 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in WY?
Payday loans in Wyoming are regulated by Division of Banking. Maximum $2,000 with typical APR up to 780%.
How do I find licensed payday lenders in Wyoming?
All payday lenders in Wyoming must be licensed by the Wyoming Division of Banking. You can verify a lender's license at https://wyomingbankingdivision.wyo.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in WY?
Most Wyoming payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Wyoming?
In Wyoming, the maximum APR is 780%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in WY?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Wyoming may change. Always verify current regulations with the Wyoming Division of Banking before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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Rostislav Sikora

AI Orchestrator and loan comparison specialist

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