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LoanFAP is a direct lender serving Wyoming residents, including Cheyenne, Casper, and Gillette. Apply online in minutes for a personal installment loan of up to $75,000, get a decision the same business day, and repay on a fixed schedule you know before you sign.
Wyoming installment loans at a glance: Personal installment loans are legal in Wyoming and regulated under W.S. 40-14-101 through 40-14-702. You can borrow up to $75,000, with rates capped at 36% on loans ≤$1,000; 21% above. Lenders must disclose the full APR, finance charge and payment schedule before you sign. Wyoming also allows payday loans and title loans.
Rules current as of July 2026.
Wyoming caps APR in tiers by loan amount — the full schedule is in the table below.
Governing law: W.S. 40-14-101 through 40-14-702
Personal installment loans in Wyoming are tiered by loan amount: 36% on principals up to $1,000, and 21% on principals from $1,001 to $75,000 (W.S. 40-14-310(g)). Loans above $75,000 are not covered under these statutes. A license is required to offer these loans (W.S. 40-14-302(b)).
Unlike flat-rate states, Wyoming law sets different maximum APRs depending on how much you borrow. Smaller loans may carry higher rates; larger loans are typically capped at a lower APR. The table below reflects the statutory maximums — lenders may charge less.
| Loan Amount Range | Max APR | Statutory Basis |
|---|---|---|
| Up to $1,000 | 36% max APR | W.S. 40-14-310(g) |
| $1,001 – $75,000 | 21% max APR | W.S. 40-14-310(g) |
APR tiers set by Wyoming law. Your exact rate depends on loan amount and lender.
| Loan Amount | Term | APR (est.) | Total Interest | Total to Repay |
|---|---|---|---|---|
| $1,000 | 24 months | 36% | $414 | $1,414 |
| $5,000 | 24 months | 21% | $1,131 | $6,131 |
| $10,000 | 24 months | 21% | $2,262 | $12,262 |
In Wyoming, the APR cap is 36% for loans up to $1,000 and 21% for loans above $1,000, as per W.S. 40-14-310(g). The lender must provide a Truth-in-Lending disclosure showing the exact APR before signing.
Wyoming residents should be aware that personal installment loan rates are tiered: 36% APR for loans up to $1,000 and 21% for loans above $1,000. Verify the terms with your lender.
Consumers in Wyoming are protected under the Wyoming Uniform Consumer Credit Code, which requires lenders to be licensed. Credit insurance is allowed, and refunds for certain credit insurance products must be facilitated upon loan termination (W.S. 40-14-454).
In addition to state law, six federal laws protect consumer loan borrowers in every state. These apply regardless of where you borrow or which type of loan you take.
| Federal Law | What It Means for You | Who It Covers |
|---|---|---|
| Truth in Lending Act / Regulation Z | Regulation Z protects consumers by requiring clear disclosure of key credit terms and costs. | Applies to consumer credit including mortgages, credit cards, and installment loans. |
| Military Lending Act | The MLA caps the annual percentage rate at 36% for loans to active duty service members and their dependents. | Covers active duty service members and their dependents. |
| Fair Debt Collection Practices Act / Regulation F | Regulation F governs the practices of debt collectors, prohibiting abusive, deceptive, and unfair practices. | Applies to third-party debt collectors collecting consumer debts. |
| Fair Credit Reporting Act / Regulation V | Regulation V ensures accuracy and privacy of consumer credit information held by credit reporting agencies. | Applies to consumer reporting agencies and users of consumer reports. |
| Equal Credit Opportunity Act / Regulation B | Regulation B prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, or age. | Applies to all creditors in any aspect of a credit transaction. |
| CFPB UDAAP authority | The CFPB can take action against unfair, deceptive, or abusive acts or practices in consumer financial products or services. | Applies to all consumer financial products and services. |
These federal protections apply in all 50 states regardless of state law. They set a baseline floor of consumer rights.
Federal regulations, such as those from the CFPB and the Military Lending Act, apply in addition to state laws, providing an additional layer of consumer protection.
Yes. Personal installment loans are legal in Wyoming and regulated under W.S. 40-14-101 through 40-14-702. Lenders must hold a state license to make these loans. A licensed lender has to follow the state's limits on rates, loan size and fees, and disclose your APR, finance charge and full payment schedule before you sign.
Wyoming sets its installment loan rate ceiling by loan size rather than with one flat cap: 36% on loans ≤$1,000; 21% above under W.S. 40-14-101 through 40-14-702. Which tier applies depends on how much you borrow, and a lender may charge less than the maximum. The exact APR has to appear in your loan agreement before you sign.
In Wyoming, a licensed lender may write a personal installment loan of up to $75,000 under W.S. 40-14-101 through 40-14-702. Individual lenders often approve less than the state maximum based on your income and credit profile. Borrow only what the monthly payment leaves you able to cover.
Yes. Alongside installment lending, Wyoming permits payday loans under Wyo. Stat. § 40-14-362 to § 40-14-367. A payday loan there is capped at $400 and a term of up to 31 days. Rollovers are not permitted. A payday loan is a single lump-sum repayment tied to your next pay date, which makes it a different and usually far more expensive product than an installment loan repaid over months.
Yes. Wyoming permits car title lending under WY Stat § 40-14-202; WY Stat § 40-14-348; WY Stat § 29-7-105 at rates of 21%–36%. A title loan is secured against your vehicle, so falling behind can cost you the car. An unsecured personal installment loan puts no vehicle at risk, which is worth weighing before you pledge a title.
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Every loan offered through Loan For Any Purpose is subject to credit approval based on our underwriting standards. Rates, terms, fees, and the availability of specific products vary by state and by applicant. Qualification is not guaranteed, and the loan amount you receive may be lower than the maximum advertised. All loans carry applicable terms and conditions. Our lending products are designed to meet short-term financial needs — they are not intended as a long-term borrowing solution. We recommend that borrowers with ongoing credit difficulties seek guidance from a certified credit counseling service. If you apply online, verification of your submitted information may be required before funding, potentially adding up to two business days to the disbursement timeline.
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