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Payday loans in Wyoming

Payday loans for bad credit in Wyoming

Payday loans are allowed in Wyoming from state-licensed lenders (Post-Dated Check Casher license). Here are the limits Wyoming law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Wyoming guide

What Wyoming law allows

Payday loans in Wyoming
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2] AllowedHigh-cost loan Cap set in statute Not set by statute Up to 31 days Post-Dated Check Casher license Wyo. Stat. sec. 40-14-362, 40-14-363
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.
The rules in full

Payday loans

Rate cap
Summarized in the statute; read the full rule.
Fees
Greater of 30 dollars or 20 percent per month on principal balance.
License
Post-Dated Check Casher license under W.S. sec. 40-14-362/40-14-363, issued by the Wyoming Division of Banking.

Full detail for every loan type: Wyoming lending laws.

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Rent and jobs in Wyoming

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Wyoming
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[3]$1,079FY2026
Unemployment rate[4]3.0%2026-08

Other options in Wyoming

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Wyoming.

Other loan types allowed in Wyoming

See every loan type Wyoming law allows.

Payday loans in nearby states

  • ColoradoAllowedHigh-cost loan 36% APR
  • MontanaAllowedHigh-cost loan 36% APR
  • UtahAllowedNo rate limit in state law No rate limit
  • IdahoAllowedNo rate limit in state law No rate limit
  • South DakotaAllowedHigh-cost loan 36% APR

Sources

  1. Justia. Wyo. Stat. sec. 40-14-362, 40-14-363. Retrieved September 23, 2026.
  2. wyomingbankingdivision.wyo.gov. Wyoming Division of Banking. Retrieved September 23, 2026.
  3. National Low Income Housing Coalition. Out of Reach 2026: Wyoming. Retrieved September 23, 2026.
  4. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Wyoming. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Short-term loans are costly and are not a long-term financial solution. Borrow only what you can repay on time.
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  • Questions about a lender licensed in Wyoming? Contact the Wyoming Division of Banking or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.