Check your optionsYour request goes to a lending network partner, who shares it with lenders. Lenders set their own rates and decide whether to lend. There is no fee to use our service.
What Wyoming law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2] | Allowed | 36% APR (top tier) | Not set by statute | Not set by statute | Consumer Lender license under W.S. sec. 40-14-302/40-14-304 | 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.
Help in Wyoming
Money snapshot for Wyoming
Other options in Wyoming
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Wyoming: allowed under Wyoming law; see its limits and license rules.
- Installment loans in Wyoming: allowed under Wyoming law; see its limits and license rules.
- Payday loans in Wyoming: allowed under Wyoming law; see its limits and license rules.
- Personal loans in Wyoming: allowed under Wyoming law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Wyoming.
Title loans in nearby states
- ColoradoAllowed 36% APR
- MontanaNot allowed Not allowed
- UtahAllowed No numeric cap
- IdahoAllowed No numeric cap
- South DakotaAllowed 36% APR
Sources
- wyomingbankingdivision.wyo.gov. Wyoming Division of Banking. Retrieved September 23, 2026.
- Justia. Wyo. Stat. sec. 40-14-302, 40-14-304, 40-14-310, 40-14-348. Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Wyoming. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
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.
- BadCreditMD is not a lender or broker and does not make loans or credit decisions. When you submit a request, a lending network partner shares it with third-party lenders, and those lenders or the partner may pay us a fee for each referral. The lenders decide whether to offer you a loan.
- There is no fee to use BadCreditMD. Lenders or our lending network partner may pay us.
- Lenders set their own rates, fees and terms. Offers depend on your credit, income, state of residence and each lender's criteria.
- Our service is not available in all states, and not every loan type is available in every state.
- By submitting a request you consent to lenders checking your credit, which may affect your score, and to your information being shared with them.
- Submitting a request does not mean you will be approved or funded, or that you will receive any particular amount or rate.
- Short-term loans are costly and are not a long-term financial solution. Borrow only what you can repay on time.
- BadCreditMD publishes general information about loans and state rules. It is not legal or financial advice.
- BadCreditMD is operated by BadCreditMD, LLC, 30 N Gould St Ste N, Sheridan, WY 82801. Contact: pr@badcreditmd.com. Full details are on our disclosures page and disclaimer.
- 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.