Payday Loans in Laramie, WY

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Max Loan

$500

Active Lenders

Approval Time

15 min

Population

32,711

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About Payday Loans in Laramie

Laramie is a small city in Wyoming with 32,711 residents and a median income of $70,791. The local economy is influenced by Wyoming's mining and agriculture sectors. With a cost of living near national average, residents seeking emergency funding can access payday loans online, with WY Division of Banking overseeing consumer lending practices. Wyoming regulates payday loans at 780% APR ($30/$100 per 14 days), with WY Division of Banking providing oversight for Laramie consumers.

Key Industries: mining, agriculture, tourism, energy

Median Income: $70,791

Cost of Living: near national average (index: 96)

Laramie Economic Profile

Population

32,711

Median Income

$70,791

Cost of Living

near national average

Region

Mountain West

Cost of Living Index 96 / 200

Low Cost National Avg High Cost

Key Industries

mining agriculture tourism energy

Payday Loan Key Facts – Laramie, WY

Max Loan Amount	No specific limit
APR / Fee Structure	780% APR ($30/$100 per 14 days)
Max Loan Term	1 calendar month
Cooling-Off Period	None
State Regulator	WY Division of Banking
Active Lenders	0 licensed in WY
City Population	32,711
Avg. Household Income	$70,791
Cost of Living	near national average (index: 96)

Source: State regulatory databases, U.S. Census Bureau, Bureau of Labor Statistics. Data verified January 2026.

Wyoming Payday Loan Regulations

Max Loan Amount:$2,000

Max Term:60 days

Typical APR:780%

Cooling-Off:None

Rollover Allowed:Yes

Regulatory Body:Wyoming Division of Banking

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.

Compare Lenders in Laramie

0 licensed lenders serving Laramie, WY

Lender	Loan Range	TAE / APR	Speed	Best For	Apply

*Rates and terms vary by lender and applicant. All lenders listed are licensed in WY.

Payday Loan Cost Comparison – Laramie

See how costs change with different loan amounts in Wyoming

💰 Small Loan 14 days

Loan Amount

$300

APR / TAE 780%

Finance Charge $89.75

Cost per $100 $29.92

Total Repayment $389.75

Apply for $300 →

💵 Medium Loan 14 days

Loan Amount

$500

APR / TAE 780%

Finance Charge $149.59

Cost per $100 $29.92

Total Repayment $649.59

Apply for $500 →

🏦 Large Loan 30 days

Loan Amount

$1000

APR / TAE 780%

Finance Charge $641.10

Cost per $100 $64.11

Total Repayment $1641.10

Apply for $1000 →

Representative examples for Laramie, WY. Actual rates vary by lender, credit profile, and loan terms. Wyoming regulatory rate: 780% APR ($30/$100 per 14 days). Always review your loan agreement before signing.

How to Get a Payday Loan in Laramie

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Frequently Asked Questions – Laramie

How do I get a payday loan in Laramie, WY?

To get a payday loan in Laramie: (1) Be 18+ with valid government ID, (2) Have an active checking account, (3) Show proof of income (pay stubs or bank statements), (4) Provide your Social Security number. Most Laramie lenders approve applications within 15 minutes and deposit funds the same or next business day. Wyoming loans are regulated by WY Division of Banking.

What is the maximum payday loan amount in Laramie?

In Wyoming, including Laramie, the maximum payday loan is No specific limit. The regulated rate is 780% APR ($30/$100 per 14 days). Verify current limits with WY Division of Banking.

How long does it take to get money in Laramie?

Most lenders serving Laramie provide same-day or next-business-day funding. If approved before 10 AM on a weekday, you may receive funds within hours via direct deposit to your checking account. Weekend applications are typically processed on Monday. ACH transfers may take 1–2 business days, while some lenders offer instant funding for an additional fee.

Can I get a payday loan with bad credit in Laramie?

Yes. Many lenders serving Laramie, WY approve borrowers with poor or no credit history. These lenders focus on your current income and ability to repay rather than your credit score. However, expect higher APR and lower initial loan amounts. Compare multiple offers to find the lowest total cost.

What documents do I need for a Laramie payday loan?

You'll typically need: (1) Valid government-issued photo ID (driver's license or state ID), (2) Proof of income (recent pay stubs, bank statements, or tax return), (3) Active checking account information (routing and account numbers), (4) Social Security number for identity verification. Some Wyoming lenders may also request proof of Laramie residency (utility bill or lease).

What is the APR for payday loans in Laramie?

780% APR ($30/$100 per 14 days). This rate is set by WY Division of Banking and applies to all licensed lenders in Laramie. Always review the full fee schedule in your loan agreement.

What happens if I can't repay my payday loan in Laramie?

If you cannot repay on time in Laramie, WY: (1) Contact your lender immediately — many offer payment plans or extensions, (2) Wyoming may allow rollovers, but additional fees apply — avoid this cycle, (3) Late fees and collection actions may follow, (4) Unpaid loans may be reported to credit bureaus, (5) Contact WY Division of Banking if you believe a lender is violating Wyoming law. Never take a new payday loan to pay off an existing one.

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How We Research Payday Loans in Laramie

Our editorial team verifies all lender information, state regulations, and fee structures against official sources. This page for Laramie, WY was last reviewed and updated in January 2026.

Sources & References

• WY Division of Banking — Wyoming lending regulations
• CFPB — Federal consumer protection guidelines
• U.S. Census Bureau — Laramie population & economic data
• Bureau of Labor Statistics — Income & cost of living estimates

Our Standards

• All lenders are verified as licensed in WY
• APR and fee data cross-checked with state records
• Content reviewed by financial services professionals
• Read our full editorial policy

Important Information

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Laramie, Wyoming may change. Always verify current regulations with your state's consumer financial protection agency before applying.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Credizen is a comparison platform – we do not directly provide loans.

For consumer protection resources, visit the CFPB .