- Payday loans in Burns 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 Cheyenne, about 23 miles away.
Burns at a glance
| Burns | |
|---|---|
| Population (2024 Census estimate) | 379 |
| Change since 2020 | +6.5% (growing fast) |
| County | Laramie County |
| Size rank among 72 Wyoming places we cover | 65th |
| Nearest larger city | Cheyenne (about 23 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Laramie County | 6 |
| Other towns within 25 miles | 2 (about 66,815 residents) |
| Typical payday APR statewide (CRL 2023) | 316% |
Payday lending in Burns follows Wyoming state law. Lenders that serve Burns, in a store or online, must be licensed by the Wyoming Division of Banking.
Credit unions near Burns
No credit union has its main office in Burns, but these are based elsewhere in Laramie County (NCUA, June 2026):
- Western Vista Federal Credit Union in Cheyenne (federal charter — may offer payday alternative loans (PALs))
- First Education Federal Credit Union in Cheyenne (federal charter — may offer payday alternative loans (PALs))
- Cheyenne-Laramie County Employees Federal Credit Union in Cheyenne (federal charter — may offer payday alternative loans (PALs))
- Blue Federal Credit Union in Cheyenne (federal charter — may offer payday alternative loans (PALs))
- Wyhy Federal Credit Union in Cheyenne (federal charter — may offer payday alternative loans (PALs))
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 Burns
The main Wyoming rules for a payday loan in Burns: 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 Burns
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 Laramie County before you borrow
- Call or text 211 for help with rent, utilities and food in Laramie 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 Burns
The nearest larger city is Cheyenne, about 23 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 Burns?
Yes. Payday loans are legal in Burns under Wyoming state law, and lenders must be licensed by the Wyoming Division of Banking.
How much does a payday loan cost in Burns?
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 Burns?
No credit union is headquartered in Burns, but Western Vista Federal Credit Union is based in Cheyenne, also in Laramie County.
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