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Financial struggle is something that a lot of people experience at least once in their lives. It’s especially hard when something happens, and money is the only way to get out of that situation. It’s not pleasant, and you start thinking of ways to get money fast and be done with it. Borrowing from friends or family doesn’t seem like an option to you either.

Payday loans might be a great solution to this. Whenever you’re going through hard times, they are there to lift you up and solve all of your problems.

Wyoming Payday Loans

Before getting a loan, you need to know the laws in your state. Therefore, here is some information about payday loans in Wyoming.

What is a payday loan?

When you need cash during an emergency and there’s a lot of time left until your paycheck, a payday loan comes into play. Basically, it’s a short-term loan that you get your paycheck.

Imagine that the winter holidays are knocking on the door and you don’t have enough savings to provide gifts to your children. You want them to be happy, but you don’t know what to do. A payday loan comes in handy here. You can get one, and make a beautiful Christmas for your kids. The money can be repaid when you get your salary in the new year.

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What are the laws for payday loans in Wyoming?

Payday loans are legal in Wyoming and they fall under Wyoming Statutes 40-14-362. A valid post-dated check casher license should be owned by any lender. The licenses are obtained from the Department of Audit, Division of Banking under Wyoming Consumer Credit Code.

Fee schedules, borrower’s obligations and rights need to be made available by lenders whenever necessary. The loans cannot be used to repay another payday loan. Also, you can have more than one loan at once, but you are not allowed to refinance them. Therefore, if you are not able to repay the money, you will end up with a debt.

The laws in Wyoming don’t specify a maximum amount that can be borrowed through an online payday loan (read more). The loan term is one month. There is a financing fee of $20 or $30 per month, and there are no collection fees. The APR is 780% for a 14-day $100 loan.

How can you apply for Wyoming payday loans (WY)?

As expected, there are more requirements you need to meet before being suitable for payday loans in Wyoming. For example, you have to be an American citizen or US permanent resident and be at least 18 years old. Additionally, you need a steady source of income.

Lenders might also ask for some personal information like your name, date of birth, phone number, email, and address. An ID and Social Security Number might also be required. Information about your job is relevant as well.

For online applications, you need to give the lender access to your checking account.


Wyoming Payday loans are not hard to obtain if you know the laws. Therefore, ensure you are well informed, and then you will be able to enjoy their benefits.

Have a question?

Customer notice: Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.

Equal Credit Opportunity Rights notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

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