Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / WY
Personal loans, banking, insurance, and debt help in Wyoming
Wyomingites use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major expenses, generally through unsecured loans priced on credit and income.
26lenders in the dataset
WYstate guide
$1,432/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Wyoming
Wyomingites use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major expenses, generally through unsecured loans priced on credit and income.
Interest-rate law
Wyoming's Uniform Consumer Credit Code allows a tiered rate for 'supervised loans' up to a $75,000 principal ceiling; above that, rates are fully uncapped by contract.
| Loan range | Rate | Statute |
|---|---|---|
| Up to $75,000 initial principal | Greater of 36% on first $1,000 plus 21% above that, or a flat 21% (lender's choice) | Wyoming UCCC, § 40-14-348 |
| Above $75,000 | Fully uncapped -- any rate specified in the loan agreement | Wyoming UCCC, § 40-14-348 |
Lender complaints: Wyoming Division of Banking
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Zions Bank
- Credit profile
- Not specified
- APR range
- 11.26% – 27.97%
- Loan amount
- $2,500 – $100,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
RISE
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
03 / Debt consolidation
Debt consolidation
A debt consolidation loan replaces higher-rate debts with a single lower-rate loan. Wyoming's tiered schedule blends toward roughly 21% for loans of $10,000+, so a well-priced consolidation loan should land comfortably under that; above $75,000 rates are genuinely uncapped, making comparison shopping even more important.
04 / Banking and credit unions
Banking in Wyoming
National banks offer scale and broad ATM networks, while Wyoming-based and regional banks compete on relationship banking and local lending decisions.
Banks listed
- Wells FargoNational bank.
- US BankNational bank, headquartered in Minneapolis, MN.
- First Interstate BankHeadquartered in Billings, MT.
- ChaseNational bank.
- Pinnacle BankHeadquartered in Sheridan, WY.
Credit unions
Credit unions are member-owned, not-for-profit institutions offering lower rates and fewer fees than comparable bank products, with membership tied to geography, employer, or affiliation.
Wyoming credit unions posted median membership growth of about 5.8% year over year (Q4 2025 NCUA data), among the strongest in the comparison, alongside the highest median loan-to-share ratio (~133%) and highest median deposit growth (~1.00%).
Wyoming's entire state qualifies as a federal 'rural district' for field-of-membership purposes after the NCUA raised the rural-district population threshold from 250,000 to 1 million. WyHy Federal Credit Union (started 1953 among Wyoming Highway Department employees with $35 in assets) opened its field of membership to anyone in Wyoming. UniWyo Federal Credit Union grew out of the University of Wyoming; other credit unions serve rural areas like Wind River.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Not legal for a typical for-profit company. Wyoming law (Wyo. Stat. § 33-14-101 et seq.) restricts debt adjusting to tax-exempt nonprofit consumer credit counseling services and attorneys; for-profit debt adjusting is prohibited outright under § 33-14-102.
06 / Insurance
Wyoming insurance
Regulator
Wyoming Department of Insurance
Insurance regulator websiteAuto insurance
25/50/20
Wyoming requires liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage.
Homeowners and renters
$1,432/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $142/yr
Wyoming carries real exposure to hail, severe thunderstorms, and high-wind events across its open plains, along with heavy winter snow loads at higher elevations.
07 / Questions
Wyoming FAQs
How do I file a complaint against a lender in Wyoming?
Contact the Wyoming Division of Banking, which licenses and supervises consumer lenders operating in Wyoming.
How do I file a complaint against my insurance company in Wyoming?
File with the Wyoming Department of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Wyoming?
Under the Uniform Consumer Credit Code, the greater of 36% on the first $1,000 plus 21% above that, or a flat 21%, up to a $75,000 principal ceiling. Above $75,000, any rate specified in the loan agreement is allowed, fully uncapped.
Are payday loans legal in Wyoming, and are there caps on fees or loan amounts?
Yes, and Wyoming places essentially no limits on loan amount or interest rate. Fees are capped at $30 or 20% per month, whichever is greater, and terms run up to one calendar month, extendable by rollover up to 10 weeks. Real APRs commonly reach 261% to 780%.
How long can a debt collector legally pursue an unpaid debt in Wyoming before the statute of limitations runs out?
Written contracts have a 10-year statute of limitations (Wyo. Stat. § 1-3-105); oral contracts have an 8-year window under the same statute.
What's the difference between a debt consolidation loan and debt settlement for someone living in Wyoming?
A debt consolidation loan pays off debts in full with new borrowed money on a fixed schedule. Debt settlement negotiates reduced payoffs but damages credit and can create taxable income. In Wyoming, for-profit debt adjusting is prohibited outright, so a debt consolidation loan is the clearly legal path.
