- Payday loans in Mills 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 Casper, about 4 miles away.
Mills at a glance
| Mills | |
|---|---|
| Population (2024 Census estimate) | 4,584 |
| Change since 2020 | +8.4% (growing fast) |
| County | Natrona County |
| Size rank among 72 Wyoming places we cover | 19th |
| Share of Wyoming’s population | 0.8% |
| Nearest larger city | Casper (about 4 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Natrona County | 1 |
| Other towns within 25 miles | 3 (about 64,679 residents) |
| Typical payday APR statewide (CRL 2023) | 316% |
Payday lending in Mills follows Wyoming state law. Lenders that serve Mills, in a store or online, must be licensed by the Wyoming Division of Banking.
Credit unions near Mills
No credit union has its main office in Mills, but these are based elsewhere in Natrona County (NCUA, June 2026):
- Pathfinder Federal Credit Union in Casper (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 Mills
The main Wyoming rules for a payday loan in Mills: 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 Mills
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
- Call or text 211 for help with rent, utilities and food in Natrona 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 Mills
The nearest larger city is Casper, about 4 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 Mills?
Yes. Payday loans are legal in Mills under Wyoming state law, and lenders must be licensed by the Wyoming Division of Banking.
How much does a payday loan cost in Mills?
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 Mills?
No credit union is headquartered in Mills, but Pathfinder Federal Credit Union is based in Casper, also in Natrona 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