- Payday loans in Buffalo 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 Gillette, about 60 miles away.
Buffalo at a glance
| Buffalo | |
|---|---|
| Population (2024 Census estimate) | 4,655 |
| Change since 2020 | +5.2% (growing fast) |
| County | Johnson County |
| Size rank among 72 Wyoming places we cover | 18th |
| Share of Wyoming’s population | 0.8% |
| Nearest larger city | Gillette (about 60 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Typical payday APR statewide (CRL 2023) | 316% |
Whether you borrow at a storefront in Gillette or online from Buffalo, the lender must hold a Wyoming license from the Wyoming Division of Banking and follow state limits.
Credit unions near Buffalo
NCUA data (June 2026) shows no credit union headquartered in Buffalo or Johnson 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.
Payday loan rules that apply in Buffalo
Key Wyoming limits that apply to Buffalo borrowers: 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 Buffalo
The Center for Responsible Lending put the typical APR on a $400 payday loan in Wyoming at 316% (June 2023). For $300 at the state maximum, expect Up to $60 a month (20%). Check any offer with our payday loan calculator.
Other help in Johnson County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Buffalo 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.
Towns near Buffalo
The nearest larger city is Gillette, about 60 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 Buffalo?
Yes. Payday loans are legal in Buffalo under Wyoming state law, and lenders must be licensed by the Wyoming Division of Banking.
How much does a payday loan cost in Buffalo?
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 Buffalo?
NCUA data shows no credit union headquartered in Buffalo 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