✓ Legal & RegulatedReviewed: Aug 2025
WyomingLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Wyoming. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
None
Typical APR
400% APR
Max Term
None
Legal Status
Legal
Wyoming Lending Regulator
The Wyoming Division of Banking oversees consumer lending in Wyoming, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Wyoming is sourced directly from the Wyoming Division of Banking. For the most current requirements, visit: https://wyomingbankingdivision.wyo.gov/
Current Overview
Wyoming has no payday loan cap. Get fast cash in Cheyenne, Casper and statewide with flexible amounts and same-day approval.
Legal Status: Legal · APR Range: 400% APR · Max Amount: None
Wyoming Lending FAQ
Are payday loans legal in Wyoming?▼
Yes. Payday loans are legal and regulated in Wyoming under the oversight of the Wyoming Division of Banking. Current APR range: 400% APR. Maximum loan: None.
What is the maximum payday loan I can get in Wyoming?▼
The maximum short-term loan amount in Wyoming is None. A $500 loan for 14 days in WY costs approximately $75 in fees. APR varies by lender.
Who regulates payday lenders in Wyoming?▼
The Wyoming Division of Banking is the primary state regulator. You can verify any lender's license at https://wyomingbankingdivision.wyo.gov/. Unlicensed lenders operating in Wyoming are illegal — always verify before borrowing.
What are the alternatives to payday loans in Wyoming?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Wyoming.