- Payday loans in Lander 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 Lander; ask about small-dollar loans before borrowing.
Lander at a glance
| Lander | |
|---|---|
| Population (2024 Census estimate) | 7,451 |
| Change since 2020 | +0.6% (holding steady) |
| County | Fremont County |
| Size rank among 72 Wyoming places we cover | 13th |
| Share of Wyoming’s population | 1.3% |
| Nearest larger city | Casper (about 122 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Fremont County | 1 |
| Other towns within 25 miles | 2 (about 11,389 residents) |
| Typical payday APR statewide (CRL 2023) | 316% |
Payday lending in Lander follows Wyoming state law. Lenders that serve Lander, in a store or online, must be licensed by the Wyoming Division of Banking.
Credit unions in Lander
These credit unions have their main office in Lander, according to NCUA call report data (June 2026):
- Grand Altitude 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 Lander
The main Wyoming rules for a payday loan in Lander: 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 Lander
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 Fremont County before you borrow
- Call or text 211 for help with rent, utilities and food in Fremont 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 Lander
The nearest larger city is Casper, about 122 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 Lander?
Yes. Payday loans are legal in Lander under Wyoming state law, and lenders must be licensed by the Wyoming Division of Banking.
How much does a payday loan cost in Lander?
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 Lander?
Yes. NCUA data lists 1 credit union with a main office in Lander, including Grand Altitude 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