- Payday loans in Baggs follow Wyoming law (Wyoming Uniform Consumer Credit Code, W.S. 40-14-363).
- Borrowing $300 at the state maximum costs Up to $60 a month (20%).
- The nearest larger city is Laramie, about 108 miles away.
Baggs at a glance
| Baggs | |
|---|---|
| Population (2024 Census estimate) | 407 |
| Change since 2020 | +0.5% (holding steady) |
| County | Carbon County |
| Size rank among 72 Wyoming places we cover | 60th |
| Nearest larger city | Laramie (about 108 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Typical payday APR statewide (CRL 2023) | 316% |
Payday lending in Baggs follows Wyoming state law. Lenders that serve Baggs, in a store or online, must be licensed by the Wyoming Division of Banking.
Credit unions near Baggs
NCUA data (June 2026) shows no credit union headquartered in Baggs or Carbon County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Baggs
The main Wyoming rules for a payday loan in Baggs: maximum fee: $30 or 20% of the principal per month, whichever is greater; extended payment plan: available under W.S. 40-14-366. See the full Wyoming payday loan rules.
What a $300 loan costs in Baggs
At Wyoming’s maximum fee, borrowing $300 costs Up to $60 a month (20%). Statewide, the typical APR on a $400 payday loan was 316% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Carbon County before you borrow
- Call or text 211 for help with rent, utilities and food in Carbon County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Baggs
The nearest larger city is Laramie, about 108 miles away. See all 72 Wyoming cities.
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 Baggs?
Yes. Payday loans are legal in Baggs under Wyoming state law, and lenders must be licensed by the Wyoming Division of Banking.
How much does a payday loan cost in Baggs?
At Wyoming’s maximum fee, borrowing $300 costs Up to $60 a month (20%). The typical statewide APR was 316% in 2023.
Where is the nearest credit union to Baggs?
NCUA data shows no credit union headquartered in Baggs or its county. Use the NCUA credit union locator to find branches and online credit unions.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- W.S. 40-14-363
- W.S. 40-14-366 — Extended payment plan
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary