Payday Loans in Wyoming

Payday Loans in Wyoming

By necessity, Wyoming residents are self-reliant- many keep a basic winter survival kit in their home and truck in case they get snowed in. A flexible and practical approach is also taken by Wyoming when it comes to online payday loans. With access to many different types of lenders, both online and in-store, those needing an extra cash boost have plenty of payday options to choose from. 

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In this article, we will look at some of the best lenders around so that you can choose the right one for you. Next, we’ll discuss WY’s lender rates and terms and what you can expect when taking out a Wyoming payday loan online. 

Best payday loans in Wyoming

Payday loans are available in Wyoming online and in person. There are a number of brick-and-mortar lenders in Wyoming, as well as some online lenders. Lenders accept applications in person or by phone. It is also possible to fill out an online request form if the lender offers one.



PayDaySay eliminates the need to find a lender. Instead, borrowers provide basic information such as name, phone number, and bank account information, and PayDaySay will match lenders to your financial needs. In fact, they are not a lender, but rather a middleman, but going with them makes it quite easy to cut out all the fluff and avoid scammy lenders.

Lender rates and terms will depend on the company you go with, but you can expect to receive an amount between $1000 and $5000 without much fuss. You can apply online, but if you want, you can write to them at 8 The Green Suite #5876, Dover, DE 19901. They also require their borrowers to be in stable employment. But once they process your application, you can expect to hear back from them by the next day. 

Some customers receive their money within the next 24 hours. Signing up with this company (which does not charge hidden fees) will save you time and provide the assurance that you will be matched with the perfect lender. 

Check ‘n Go


Check ’n go has been lending to customers since 1994. As of today, they have over 20 locations across the country, including their first storefront in Kentucky. With the help of this company, you will be able to get an instant Wyoming payday loan online with an interest rate that falls well within the industry average. 

You won’t be able to go wrong with Check ‘n Go, since they have 26 years of experience and have 1,000 stores all over the country. Apply online or in-store at 7824 Wyoming Ave, Dearborn, MI 48126, United States

  • Their amounts range between $50 and $1,500
  • Their term is 10-35 days
  • APR varies between 214.68 and 661.80% 
  • All credit scores are accepted
  • Approval time is almost instant,
  • Funds are available on the same day or the next day
  • Applications can be submitted online

Speedy Cash

Their top priority is their customers, even in times of uncertainty. Through their online, in-store, and telephone services, they have served more than 5 million customers since 1997. Their customer-centric approach is evident in their industry-leading lending terms. In addition to being transparent about their rates, they ensure customers have a complete understanding of the terms of the loan.

  • Payback on your next payday
  • Short-term loan to help with emergency expenses
  • Only available online
  • Flat fee of $15
  • Receive up to $200 
  • APR for 14-days is 391.07%
  • APR for 30-days  is 188.79%
  • Amount and fees will generally be due on your next payday.

Advance America


In business since 1997, Advance America has been recognized as one of the industry pioneers. The company has over 1,400 physical stores across the continent, seven of which are located in Wyoming, with millions of customers served.

There are many payday loan companies on the market today, but Advance America is one of the best. As evidenced by their hundreds of 5-star reviews about Wyoming payday loans online, the company operates on a no-nonsense, full disclosure basis.

  • Get up to $1,500 in Wyoming
  • Term is around 2 to 4 weeks
  • Depending on the term, the APR ranges from 231% to 495% 
  • All credit welcome 
  • Approval time is almost instant
  • The funds are available the same day or the next business day
  • Online application accepted
  • Money can be deposited to a debit card in store
  • In-store application welcome (3709 E Lincolnway E8, Cheyenne, WY 82001, United States) 

Check City

checkcity loans

The first Check City store opened in 1986 with only 10 employees. Currently, it offers financial services to states across the nation, having grown into a thriving institution. Easy and simple processes online and in-store are just some of the reasons why so many customers choose Check City for financial help. 

In order to qualify, You must meet the following criteria:

  • Currently earning a steady income
  • Valid email address and telephone number 
  • Checking account that is active and open 
  • Valid tax ID or social security number

Rather than requiring a lump-sum payment, the company offers Wyoming residents the option of repaying their advances in 60-day installments. Known as an Extended Payment Plan, they are available at no additional cost. 

  • Apply online or in-store (2300 Capitol Avenue, 2nd Floor, Cheyenne, Wyoming 82002) 
  • Wyoming residents can borrow up to $2,500.00
  • The limit will be determined by several factors, including income
  • There is a minimum term of 8 days and a maximum term of 31 days
  • APR will vary depending on the length of the advance
  • Wyoming residents cannot extend or renew their loans

Are payday loans legal in Wyoming?  

In Wyoming, payday loans are legal. Wyoming Uniform Consumer Credit Code (UCCC) regulates the payday lending industry in the state, and there is no limit on the number of online payday loans that can be offered in the state.

Regulations about Wyoming payday loans online have remained pretty much the same for a long time. They were adopted as part of UCCC regulations and revised in 2014. 

Wyoming payday loans are officially called post-dated checks. The Wyoming online Department of Audit, Division of Banking requires all lenders who wish to operate in the state to obtain a post-dated check cashier license. At the present moment, there are no law alterations to be expected. 

  • There are no legal restrictions on the amount borrowed; however, the law sets certain repayment requirements
  • Terms are limited to 70 days (10 weeks)
  • Maximum APR is 658%
  • The amount of finance charges depends on the lender
  • Borrowers cannot be criminally prosecuted

Why might you need Wyoming payday loans?

In times of slow economic growth, payday loans online Wyoming state can be a big help if you are unable to get an advance from your credit union or bank. This short-term financial assistance is generally available only to those with regular paychecks that deposit weekly or monthly.

Their main targets are those needing help with short-term emergency expenses. There are a variety of reasons why Wyoming residents take them out, including:

  • Emergency cash
  • Vehicle repair emergencies
  • Groceries
  • Medical expenses
  • Childcare costs
  • Rent or mortgage

Many people in Wyoming who can’t get a conventional personal loan because they have bad credit may find it difficult to get a secured line of credit. But Wyoming payday loan online usually offers cash to those with bad credit due to their unsecured loan regulations, although the interest rate is high. 

Terms for payday loans in Wyoming

Payday loans online Wyoming state are regulated by the Wyoming Division of Banking and are technically classified as post-dated checks. They have a number of terms, including:

  1. After taking care of ordinary living expenses, lenders should have a reasonable expectation that a consumer borrowing money can repay that amount with his or her next paycheck. 
  2. To determine a consumer’s ability to repay, lenders must always keep borrower information on file. 
  3. A lender cannot take any criminal action against a borrower who cannot repay.
  4. Refinancing payday loans online Wyoming state is not permitted. 
  5. Borrowers are prohibited from obtaining an advance from another lender to repay their previous lender.
  6. Every 12 months, the borrower is entitled to a repayment plan that allows installments over 60 days to repay.

Loan Amounts

In Wyoming, there is no set limit to the amount of credit that can be taken out. The number of advances that anyone can apply for is not limited either, as a person can apply for as many as they want. Wyoming law regulates this law and stipulates that lenders are not limited to the maximum amount that can be borrowed.

However, in other states where payday lending is legal, the amount borrowed is usually set – for example, $300, $600, or $2,000. In theory, funds should be paid back with a consumer’s next paycheck, which should cover the cost of borrowing because they are intended for short-term expenses. As you can see, Wyoming law is tolerant of this issue.

Loan Terms

In accordance with WY law, you are allowed to take credit for a period of 14 days to 10 weeks. But again, credit rates will be determined by the lender you choose to borrow from. The repayment terms of some companies are more flexible than others.

  • Based on your income and other factors, terms will be determined on an individual basis
  • You are allowed rollover online payday loans, provided that the term is no longer than 10 weeks
  • Maximum finance charge for a 14-day, $100 loan is $30

When calculating the terms, aim for the shortest repayment term possible. This will prevent extra interest charges and save you money in the long run. But, if the repayments on a 2- month loan are too expensive, consider choosing a lender that will accommodate a longer term. 

Contact the lender as soon as possible if you cannot pay back the money on time. They are required by law to accommodate those struggling financially. To do this, you can contact them by phone, email, or by post. Generally, they will offer a payment holiday. For the missed payment, you will be required to repay double the amount. 

Loan Rates

There aren’t any restrictions with regard to interest rates. And the maximum annual rate for Wyoming payday loans online can get as high as 782%. It is difficult to find credit with interest rates lower than 100%, but if you have good credit, you may be able to find some. Keep in mind that the lower the interest rate, the less money you will have to pay in interest.

It is necessary to understand, however, that sometimes lenders use a low APR as a way to lure borrowers into a false sense of security, as you may find funds with a low APR but high fees. Read the terms of the agreement carefully to ensure you don’t get trapped in advances with high charges or processing fees. 

Pros and Cons of payday loans in Wyoming

Some lenders market their services as a way to pay for everyday necessities. Borrowers with these needs may be able to get credit from consumer finance companies and banks. By doing so, you could save money and possibly get more in the long term. If you need a cash boost before your next payday, you can get a payday loan because they are designed to offer small-dollar, short-term financing.

It is true, however, that the state’s system does allow some lenders to act unethically. Residents of Wyoming are more likely to fall into debt with payday lenders than residents of other states. Consumers can have as many lines of credit as they want at one time since there is no maximum amount. Residents are mostly left to decide how much money they need and whether they need a loan.

What will a Wyoming payday loan cost?

In the state of Wyoming, there is no set limit as to how much a consumer is allowed to borrow. Knowing how to calculate the cost of an advance will help you determine how much you will have to repay. Especially if you have a loan with a high APR. For example, here’s how much $200, repaid over three weeks, will cost:

Note: in Wyoming, a payday loan costs $15 per $100 borrowed. 

  • Add the interest and fee charges together: Total fees= $30
  • The total fees should be divided by the amount: $30 divided by $200= 0.15
  • Take the answer and multiply it by 365 (days in a year): 0.15 x 365= 54.75
  • Take the answer and divide it by the number of days in the term: 54.75 divided by 21 days= 2.60
  • Add a percent sign after the decimal point and move it two places to the right: APR 260%

Wyoming payday loans if the Credit Rating Is Poor

The availability of payday loans online Wyoming state is widespread, but many applicants leave disappointed. Lending criteria are strict to protect credit providers from losing their money. Their goal is to ensure that you’ll be able to make your payments on time. You must have a job that allows you to meet the terms before you begin the application process. 

Last but not least, ensure you have a US bank account and are a legal Wyoming resident. Funds will be deposited there, and repayments will be taken from this account. In the event that you do not have a job but meet all the other criteria, ask your creditor whether they can help you.

Here are some tips to ensure you get approved for money if you have bad credit: 

  • Pay off existing debt
  • Prove your reliability 
  • Fulfill the conditions 
  • Determine if you can afford the repayments

What are alternatives to Wyoming payday loans?

Avoid borrowing small amounts of money if you are in need of a payday loan. It is common for these companies to advertise their advances as ideal for paying for evenings out, new clothes, and other non-essential purchases. If you save up instead of getting a payday loan, you’ll pay less for those items. So consider one only if you have exhausted the following options: 

Ask friends or family: borrowing from friends or family will save you from paying expensive interest rates or damaging your credit score. Be sure to discuss repayment plans with the person you borrow from.

Consolidating debts: by consolidating your debts, you pay only one bill each month instead of multiple bills each month, simplifying your financial situation and record-keeping. You may be able to save money by paying less interest than you were before on various debts.

Speak to your boss: if you have a job, consider asking your employer for a wage advance. You may find this situation uncomfortable, but consider how much simpler things would be for you if you asked. You can request an advance through email or letter if you don’t want to speak to anyone directly. 


Should I take out a payday loan in Wyoming?

By all means, consider an advance, but only if you are sure you can afford the repayments. It might be beneficial to those who have struggled financially in the past to avoid them in this state. This is due to their mo-limit advances, making it easy to fall into a debt trap. 

Can I get a payday loan in Wyoming without an APR?

Generally, payday loans online Wyoming state will have an APR interest fee attached to them. Due to the fact that the APR rate is calculated by amount and term, the quicker you replay, the lower your APR will be.

How many payday loans can you get in Wyoming?

Wyoming has very few regulations on lending and borrowing. It is, therefore, possible to take out more than one loan at the same time. Before accepting you as a customer, lenders should make sure that you do not owe a significant amount to other creditors. 

Does Wyoming allow payday loans?

There are no restrictions on borrowing in Wyoming online at the moment. The state is one of the most liberal borrowing states in the country, with high-interest rates, but there is no cap on the amount that can be borrowed. Although lenders generally offer no more than $3,000.  

Can Payday Loans sue you in Wyoming?

Despite not being able to sue you, you may be charged additional fees and charges for late payments. In addition, your credit score will take a hit, and your chances of borrowing money will decrease. You may not be chased by your debt collectors if you don’t pay your debt within a certain number of years depending on the advance terms. 

Can payday loans garnish wages in Wyoming?

If a court order is valid, creditors in Wyoming can garnish your wages. To garnish wages or bank accounts, creditors need a court order judgment. You can only be garnished once by a creditor in Wyoming.