- Payday loans in Powell 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 Powell; ask about small-dollar loans before borrowing.
Powell at a glance
| Powell | |
|---|---|
| Population (2024 Census estimate) | 6,551 |
| Change since 2020 | +2.1% (growing) |
| County | Park County |
| Size rank among 72 Wyoming places we cover | 14th |
| Share of Wyoming’s population | 1.1% |
| Nearest larger city | Gillette (about 164 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Park County | 2 |
| Other towns within 25 miles | 4 (about 14,193 residents) |
| Typical payday APR statewide (CRL 2023) | 316% |
Whether you borrow at a storefront in Gillette or online from Powell, the lender must hold a Wyoming license from the Wyoming Division of Banking and follow state limits.
Credit unions in Powell
These credit unions have their main office in Powell, according to NCUA call report data (June 2026):
- Powell Schools 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 Powell
Key Wyoming limits that apply to Powell 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 Powell
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 Park 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 Powell 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 Powell
The nearest larger city is Gillette, about 164 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 Powell?
Yes. Payday loans are legal in Powell under Wyoming state law, and lenders must be licensed by the Wyoming Division of Banking.
How much does a payday loan cost in Powell?
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 Powell?
Yes. NCUA data lists 1 credit union with a main office in Powell, including Powell Schools 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