- Payday loans in Casper 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%).
- 1 credit union is headquartered in Casper; ask about small-dollar loans before borrowing.
Casper at a glance
| Casper | |
|---|---|
| Population (2024 Census estimate) | 58,823 |
| Change since 2020 | -0.8% (holding steady) |
| County | Natrona County |
| Size rank among 72 Wyoming places we cover | 2nd |
| Share of Wyoming’s population | 10% |
| Nearest larger city | Cheyenne (about 142 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Natrona County | 1 |
| Other towns within 25 miles | 5 (about 13,278 residents) |
| Typical payday APR statewide (CRL 2023) | 316% |
There is no separate Casper payday law: Wyoming rules apply here, and any lender serving Casper residents, online or in person, needs a license from the Wyoming Division of Banking.
Credit unions in Casper
These credit unions have their main office in Casper, according to NCUA call report data (June 2026):
- Pathfinder Federal Credit Union (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.
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Payday loan rules that apply in Casper
In short, Wyoming rules that cover Casper include: 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 Casper
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 Natrona County before you borrow
Before a payday loan, Casper residents can usually find something cheaper:
- Local assistance through 211 covering Natrona County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Casper
The nearest larger city is Cheyenne, about 142 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 Casper?
Yes. Payday loans are legal in Casper under Wyoming state law, and lenders must be licensed by the Wyoming Division of Banking.
How much does a payday loan cost in Casper?
At Wyoming’s maximum fee, borrowing $300 costs Up to $60 a month (20%). The typical statewide APR was 316% in 2023.
Are there credit unions in Casper?
Yes. NCUA data lists 1 credit union with a main office in Casper, including Pathfinder Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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