- Payday loans are legal in Wyoming under the Wyoming Uniform Consumer Credit Code, W.S. 40-14-363.
- The typical APR on a $400 payday loan in Wyoming was 316% (CRL, June 2023, from state regulator data).
- Borrowing $300 at the maximum fee costs Up to $60 a month (20%).
Payday loan rules in Wyoming
| Rule | Wyoming |
|---|---|
| Maximum fee | $30 or 20% of the principal per month, whichever is greater |
| Extended payment plan | Available under W.S. 40-14-366 |
Rules checked 2026-10-04. Laws change, so confirm current limits with the Wyoming Division of Banking.
What a payday loan costs in Wyoming
The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in Wyoming was 316%, based on data from the state regulator (June 2023). Under the state’s fee limits, borrowing $300 costs Up to $60 a month (20%). Use our cost calculator to turn any offer into an APR.
Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
How to check a lender in Wyoming
- Make sure the lender is licensed by the Wyoming Division of Banking. Many lenders can also be looked up on NMLS Consumer Access.
- Get the APR and finance charge in writing before you sign. Federal law requires them.
- Be careful with online lenders that say Wyoming law does not apply to them because they are tribal or offshore.
- File complaints with the state regulator and the CFPB.
Cheaper options in Wyoming
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Wyoming that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Wyoming cities
Local guides for 72 Wyoming cities and towns, with credit unions, nearby towns and the rules that apply.
- Payday loans in Cheyenne
- Payday loans in Casper
- Payday loans in Gillette
- Payday loans in Laramie
- Payday loans in Rock Springs
- Payday loans in Sheridan
- Payday loans in Evanston
- Payday loans in Green River
- Payday loans in Riverton
- Payday loans in Jackson
- Payday loans in Cody
- Payday loans in Rawlins
- Payday loans in Lander
- Payday loans in Powell
- Payday loans in Douglas
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Wyoming?
Yes. Payday lending is legal in Wyoming under the Wyoming Uniform Consumer Credit Code, W.S. 40-14-363 and is regulated by the Wyoming Division of Banking.
What is the typical payday loan APR in Wyoming?
The Center for Responsible Lending reported a typical APR of 316% on a $400 payday loan in Wyoming, using state regulator data (June 2023).
Where can I complain about a payday lender in Wyoming?
Contact the Wyoming Division of Banking and file a complaint with the Consumer Financial Protection Bureau.