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Title loans in Wyoming

Title loans for bad credit in Wyoming

Title loans are allowed in Wyoming from state-licensed lenders (Consumer Lender 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

Title loans in Wyoming
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2] AllowedHigh-cost loan 36% APR (top tier) Not set by statute Not set by statute Consumer Lender license Wyo. Stat. sec. 40-14-302, 40-14-304, 40-14-348
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Title loans

Rate cap
Wyoming has no separate motor-vehicle-title-loan statute or license category; a vehicle-title-secured consumer loan would be made under the general Consumer Lender / UCCC framework (see installment product) and would be classified as a supervised loan subject to the sec. 40-14-348 tiered rate cap (36 percent per year up to 1,000 dollars principal, 21 percent per year above that, or the alternative formula) if the rate exceeds 10 percent per year.
Fees
Same as installment/supervised-loan structure under sec. 40-14-348; no title-loan-specific fee schedule exists.
License
Consumer Lender license under W.S. sec. 40-14-302/40-14-304 (the Wyoming Division of Banking's license-type list for consumer lending does not separately name 'title lender'); state law allows title loans, regulated as a form of secured consumer/supervised loan.

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.

Title loans in nearby states

  • ColoradoAllowedHigh-cost loan 36% APR
  • MontanaNot allowed Not allowed
  • 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. wyomingbankingdivision.wyo.gov. Wyoming Division of Banking. Retrieved September 23, 2026.
  2. Justia. Wyo. Stat. sec. 40-14-302, 40-14-304, 40-14-310, 40-14-348. 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.

Representative example

Amount borrowed
$1,000
Annual percentage rate (APR)
36%
Repayment
12 monthly payments
Payment
$100.46
Finance charge
$205.52
Total of payments
$1,205.52

Example: a $1,000 title loan at 36% APR repaid in 12 monthly payments of $100.46 costs $1,205.52 in total, including a finance charge of $205.52. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.

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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.