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Payday Loans Wyoming (WY)

Wyoming offers a great lifestyle, especially for those who are into stargazing and cowboy culture. Wyoming is undoubtedly the most beautiful state in America. Wyoming is far from its nearest neighbor, but there are still many things to do and see.

Wyoming residents can count on each other in times of emergency. Many people keep a basic winter survival kit in their car or at home for snow emergencies. They are also able to handle payday loans themselves.

According to financial experts, Wyoming’s payday loan policy is more flexible than those of other states.

There is no maximum loan amount

Wyoming does not allow payday loans. Wyoming law doesn’t specify a maximum amount. Other states allow payday lending, including $400, $600, and $1,600. Payday loans are short-term and should be repaid within the next payday. Wyoming’s approach is clearly liberal.

Payday loans are regulated by the Wyoming Division of Banking. These loans are also known as “post-dated checks” in Wyoming. According to the division, such “post-dated checks” agreements can be advertised up to $3,000 and could result in a check of $3,600 due to fees or charges.

According to the division, lenders should reasonably expect consumers to write $3600 checks and pay the amount with their next paycheck once they have met all of their normal living expenses. Lenders should keep all information necessary to determine whether a consumer can repay a payday loan on file.

Fees, charges, and other terms

Wyoming has no maximum amount that a borrower can borrow. Other aspects of payday loans can also be defined. Here’s one example:

  • Maximum Finance Rate and Fees: $30 per month or 20% of the Loan Amount, depending on which one you choose.
  • Maximum loan term: 1 calendar month
  • Example: 100 loan for 14 days, $30 financing fee, 780% APR
  • Rollovers are not allowed

Consumers have the right to apply for as many loans as they want. You can only apply for one payday loan in some states.

Wyoming residents can request repayment plans for loans up to once every 12 months. Repayment plans for loans must not exceed 60 days and include at least four equal installments. Extended repayment plans can be applied by borrowers until 5:00 PM Mountain time on the last day after the post-dated checks have expired.

Borrowers can cancel any plan at any time without penalty. Lenders may charge additional interest to borrowers who are unable to or unwilling to make the monthly payments.

Borrowers have until 5:00 PM Mountain time the day after taking out a loan to change their minds. Lenders will not charge any additional fees if the borrower fails to return the funds by the deadline.

Wyoming Payday Loans: Why are Wyoming residents taking out payday loans?

Payday loans can be used to cover short-term expenses, as we mentioned. Wyoming residents can apply for payday loans in Wyoming cities like Cody, Jackson, and Casper.

  • Groceries
  • Rent or mortgage
  • Medical expenses
  • Car repairs emergency
  • Costs of childcare

Wyoming’s cost of living is slightly more than the national average, especially for housing, food, and health care.

According to the Wyoming Division of Banking, lenders may market these loans to help pay for a home or vacation improvements. Other options for borrowers such as banks or consumer finance companies should be considered.

These options allow borrowers to pay less and possibly get more. According to the division, “Post-dated checks loans in Wyoming were created to provide short-term small-dollar financing to consumers who require it to manage their finances until their next paycheck.”

Through the state’s system, lenders can be as shady as they want. Bad credit borrowers can also get payday loans. Lenders will evaluate the borrower’s ability to repay the loan and their regular income.

Wyoming residents are more likely to have payday lenders’ debt than any other state. There are no caps on how many loans consumers can take out at once and no maximum amount. Residents decide whether they need a loan and how much.

Lenders have many options

Wyoming offers payday loans and cash advances online. Wyoming is home to many brick-and-mortar lenders. Many of these lenders also offer online services. You can visit the lender during business hours or call them to start the process. If the lender offers an online request, you can submit one.

Greendayonline Payday loans is an online business. Many useful features are available to you:

  • Most loans are available within an hour, thanks to our quick service.
  • You can direct deposit loans into your bank account.
  • Lenders will often work with applicants with bad credit.
  • Complete the online form.

Although we don’t lend money, we use your data to match you with direct lenders (if you are eligible). Our direct lenders follow the Online Lenders Alliance best practices. Online loans can be obtained without having to visit a branch or waiting in line.

We can process your requests 24/7, seven days a week, through our secure servers.

Now cash

Our online application is the best choice if you need a loan quickly. To match with a lender, start the process. You can always reject the rates and terms offered. You have the right to decide whether you are eligible.

How the loan process works

Payday loans can be applied online. Your application is transmitted to our partners via encrypted 128-bit connections, so there are no chances of it being intercepted.

We are proudest of our simple and easy application process. To be approved, most applicants must comply with the following requirements:

  • Maintain a solid standing in your checking account
  • Are you a permanent resident of the United States or a citizen?
  • Are you older than 18 years old?
  • A minimum of one month working in a job
  • A working email address and a telephone number can be provided.

What makes Greendayonline Payday loans different?

We want to improve the reputation of cash advances, payday loans, and other short-term lending services. We believe everyone should have access to financing options to cover unexpected expenses. Even those with bad credit ratings.

Payday loans in Wyoming are a common practice among predatory lenders in Wyoming. They prey upon the financially weak.

Greendayonline Payday Loans may be able to help you get a loan if you have made an informed decision. We are not a payday loan lender. We help you find Wyoming payday loan lenders who can meet your needs. This will allow you to make informed decisions and take the best action for your family.

These are the Most Frequently Asked Questions

What should I do if I can’t pay off a loan on my own?

Before your post-dated cheque is due, call the lender immediately. Ask for an installment/extended payment plan. You have a maximum of 60 days to make your payment. There will be at least four installments.

Additional interest will be charged if you fail to make the payment. Lenders cannot bring you to court for criminal proceedings. Lenders and debt collection agencies cannot harass or threaten you. The Division of Banking should be notified if you see any unethical behavior.

What happens if I don’t have a job but still need a payday advance?

In most cases, no. Lenders will require regular income to ensure that the loan is repaid. Regular income for seniors could include Social Security payments and any other income. Wyoming seniors and others may be eligible for assistance from the government or community without borrowing money.

If you don’t have a regular income, a credit card cash loan may be an option. These loans can be very expensive.

Wyoming: What is my maximum loan amount?

After analyzing your budget, it can be tempting not to limit your borrowing. It is best only to borrow the amount you really need to cover short-term expenses. Even if you have a budget of $500, $200 will be enough to buy groceries.

These fees can quickly add up, so it is crucial to get out of debt as soon as possible. Unexpected expenses are possible at any moment. Payday loans should not be used to pay for a vacation or home expenses.

It is better to save money than borrow money from the bank if your credit rating is not good enough. Start a savings account instead of borrowing money for large-scale home and vacation improvements.

Is there an official list that lists payday lenders licensed by the state?

Yes. This is the Wyoming Division of Banking branch list. Greendayonline Payday loans allow you to find lenders online.

Payday Loans in the state of Wyoming

  1. Buffalo
  2. Casper
  3. Cheyenne
  4. Cody
  5. Evanston
  6. Fort Washakie
  7. Gillette
  8. Green River
  9. Jackson
  10. Kemmerer
  11. Lander
  12. Laramie
  13. Lyman
  14. Powell
  15. Riverton
  16. Rock Springs
  17. Sheridan
  18. Sundance
  19. Thermopolis
  20. Torrington
  21. Warren AFB
  22. Wheatland
Buffalo Payday Loans
Website Company Telephone Address
future-funding.com Future Funding LLC (855) 425-5625 Future Funding LLC, 412 N Main St #100, Buffalo, WY 82834, United States
paydayloanservices.org Payday Lenders (307) 684-1888 Payday Lenders, 67 N Main St, Buffalo, WY 82834, United States
Casper Payday Loans
Website Company Telephone Address
moneynowcasper.com Money Now (307) 265-2658 Money Now, 1728 E 2nd St, Casper, WY 82601, United States
fastcash24.pw Fast Cash (307) 261-9915 Fast Cash, 1123 S Beverly St, Casper, WY 82609, United States
widcfrontier.com WIDC Frontier CDC (800) 934-5351 WIDC Frontier CDC, 232 E 2nd St # 300, Casper, WY 82601, United States
wyocentral.org Wyo Central Federal Credit Union (307) 234-5401 Wyo Central Federal Credit Union, 190 S David St, Casper, WY 82601, United States
greaterwyomingfcu.com Greater Wyoming Federal Credit Union (307) 234-5662 Greater Wyoming Federal Credit Union, 155 W Collins Dr, Casper, WY 82601, United States
firstcash.com Mister Money (307) 235-5626 Mister Money, 516 E Yellowstone Hwy, Casper, WY 82601, United States
fflenders.com Frontier Financial (307) 234-4500 Frontier Financial, 3990 S Poplar St, Casper, WY 82601, United States
pathfinderfcu.com Pathfinder Federal Credit Union (307) 234-4271 Pathfinder Federal Credit Union, 400 E 1st St #100, Casper, WY 82601, United States
wyomingbailagency.com Wyoming Bail Agency (307) 216-2245 Wyoming Bail Agency, 140 E Midwest Ave Ste 201, Casper, WY 82601, United States
local.checkintocash.com Check Into Cash (307) 237-1141 Check Into Cash, 3520 E 2nd St #6, Casper, WY 82609, United States
ezcashwy.com EZ Cash (307) 473-4666 EZ Cash, 4070 Plaza Dr STE 104, Casper, WY 82604, United States
onlinebcl.com Online Bad Credit Loans (307) 242-8605 Online Bad Credit Loans, 138 S Center St, Casper, WY 82601, United States
onemainfinancial.com OneMain Financial (307) 237-9546 OneMain Financial, 4801 E 2nd St #103, Casper, WY 82609, United States
advanceamerica.net Advance America (307) 237-9495 Advance America, 235 S Montana Ave, Casper, WY 82609, United States
Cheyenne Payday Loans
Website Company Telephone Address
wbdwinwin.com Wise Business Development Corp (307) 429-2998 Wise Business Development Corp, 109 E 17th St #4, Cheyenne, WY 82001, United States
thriftycash.com Thrifty Cash Services and Loans (307) 634-2081 Thrifty Cash Services and Loans, 619 E Lincolnway, Cheyenne, WY 82001, United States
rockymtnpawn.com Rocky Mountain Pawn (307) 432-9111 Rocky Mountain Pawn, 1221 E Pershing Blvd, Cheyenne, WY 82001, United States
cashexpresswy.com Cash Express (307) 778-6175 Cash Express, 1106 Logan Ave, Cheyenne, WY 82001, United States
rockymtnloanconsultants.com Rocky Mtn. Loan Consultants, Inc. (307) 220-8818 Rocky Mtn. Loan Consultants, Inc., 701 Vandehei Ave, Cheyenne, WY 82009, United States
advanceamerica.net Advance America (307) 632-0389 Advance America, 3709 E Lincolnway E8, Cheyenne, WY 82001, United States
local.checkintocash.com Check Into Cash (307) 778-9919 Check Into Cash, 1637 Stillwater Ave Suite E, Cheyenne, WY 82009, United States
onemainfinancial.com OneMain Financial (307) 637-7237 OneMain Financial, 4620 Grandview Ave #102, Cheyenne, WY 82009, United States
quikcheck.com Quik Check Financial (307) 635-3200 Quik Check Financial, 507 E Pershing Blvd, Cheyenne, WY 82001, United States
oppbusinessloans.com Opportunity Business Loans (307) 522-1682 Opportunity Business Loans, 2304 E Lincolnway #154, Cheyenne, WY 82001, United States
Cody Payday Loans
Website Company Telephone Address
advanceamerica.net Advance America (307) 527-4052 Advance America, 318 Yellowstone Ave, Cody, WY 82414, United States
wypinnbank.com Pinnacle Bank (307) 527-7186 Pinnacle Bank, 1702 Sheridan Ave, Cody, WY 82414, United States
not found PAYDAY LOANS at Yellowstone Trading Company not found PAYDAY LOANS at Yellowstone Trading Company, 2201 17th St, Cody, WY 82414, United States
Evanston Payday Loans
Website Company Telephone Address
westernagcredit.com Western AgCredit (307) 789-9420 Western AgCredit, 848 Front St, Evanston, WY 82930, United States
quikcheck.com Quick Check Financial (307) 789-0000 Quick Check Financial, 104 10th St, Evanston, WY 82930, United States
usacashservices.com USA Cash Services (307) 783-7777 USA Cash Services, 100 8th St #1, Evanston, WY 82930, United States
Fort Washakie Payday Loans
Website Company Telephone Address
not found Wind River Development Fund (307) 335-7330 Wind River Development Fund, 14631 US-287, Fort Washakie, WY 82514, United States
Gillette Payday Loans
Website Company Telephone Address
local.checkintocash.com Check Into Cash (307) 682-5405 Check Into Cash, 1103 E Boxelder Rd Ste L, Gillette, WY 82718, United States
advanceamerica.net Advance America (307) 682-5544 Advance America, 1215 S Douglas Hwy Ste. C, Gillette, WY 82716, United States
ezcashwy.com EZ Cash (307) 686-1762 EZ Cash, 801 E 4th St STE 13, Gillette, WY 82716, United States
onemainfinancial.com OneMain Financial (307) 685-8140 OneMain Financial, 51 Town Center Dr #130, Gillette, WY 82718, United States
wypinnbank.com Pinnacle Bank (307) 682-0089 Pinnacle Bank, 815 Madison St, Gillette, WY 82718, United States
Green River Payday Loans
Website Company Telephone Address
advanceamerica.net Advance America (307) 875-6767 Advance America, 300 Uinta Dr Ste. C, Green River, WY 82935, United States
not found Quick Cash (307) 875-6400 Quick Cash, 685 Uinta Dr, Green River, WY 82935, United States
Jackson Payday Loans
Website Company Telephone Address
firstrepublic.com First Republic Bank (307) 264-7888 First Republic Bank, 545 W Broadway, Jackson, WY 83001, United States
snakeriverfund.org Snake River Fund (307) 734-6773 Snake River Fund, 125 S King St, Jackson, WY 83001, United States
Kemmerer Payday Loans
Website Company Telephone Address
fcsamerica.com Farm Credit Services of America (307) 877-2964 Farm Credit Services of America, 823 S Main St, Kemmerer, WY 83101, United States
Lander Payday Loans
Website Company Telephone Address
business.site Happy Hocker Pawn Shop (307) 332-9261 Happy Hocker Pawn Shop, 943 Main St, Lander, WY 82520, United States
Laramie Payday Loans
Website Company Telephone Address
wyomingwomen.org Wyoming Women’s Business Center (307) 460-3943 Wyoming Women’s Business Center, 710 E Garfield St #323, Laramie, WY 82070, United States
westbrookspawnshop.com Westbrook’s Pawn Shop (307) 745-5815 Westbrook’s Pawn Shop, 809 S 3rd St, Laramie, WY 82070, United States
advanceamerica.net Advance America (307) 745-6730 Advance America, 570 N 3rd St Ste B, Laramie, WY 82072, United States
paydayexpresscash.com Money Lenders (307) 755-1744 Money Lenders, 1660 N 4th St, Laramie, WY 82072, United States
Lyman Payday Loans
Website Company Telephone Address
wyochem.com Wyochem (307) 786-2656 Wyochem, 3142 WY-414, Lyman, WY 82937, United States
Powell Payday Loans
Website Company Telephone Address
wypinnbank.com Pinnacle Bank (307) 754-7955 Pinnacle Bank, 175 N Evarts St, Powell, WY 82435, United States
Riverton Payday Loans
Website Company Telephone Address
easyloan.click Fast Cash (307) 857-1100 Fast Cash, 112 S 3rd St E, Riverton, WY 82501, United States
easyloan.click Quick Buck (307) 856-8787 Quick Buck, 1255 N Federal Blvd # D, Riverton, WY 82501, United States
advanceamerica.net Advance America (307) 857-4401 Advance America, 900 E Webbwood Rd Ste. B, Riverton, WY 82501, United States
onemainfinancial.com OneMain Financial (307) 857-3753 OneMain Financial, 403 E Main St, Riverton, WY 82501, United States
not found Cash Cow (307) 463-4046 Cash Cow, 611 E Washington Ave, Riverton, WY 82501, United States
Rock Springs Payday Loans
Website Company Telephone Address
ezcashwy.com EZ Cash (307) 362-2011 EZ Cash, 2400 Foothill Blvd STE 1, Rock Springs, WY 82901, United States
expressloansofamerica.com A & A Cash Advance (307) 362-7466 A & A Cash Advance, 1643 Elk St, Rock Springs, WY 82901, United States
paydayexpresscash.com Money Lenders (307) 382-6322 Money Lenders, 1977 Dewar Dr, Rock Springs, WY 82901, United States
usacashservices.com USA Cash Services (307) 362-1777 USA Cash Services, 1459 Dewar Dr, Rock Springs, WY 82901, United States
Sheridan Payday Loans
Website Company Telephone Address
ezcashwy.com EZ Cash (307) 673-0050 EZ Cash, 2240 Coffeen Ave Unit D, Sheridan, WY 82801, United States
paydayloanservices.org Ace Payday Loans (307) 675-1810 Ace Payday Loans, 1590 Sugarland Dr, Sheridan, WY 82801, United States
cpicollects.com Check Solutions (307) 672-6424 Check Solutions, 29 N Connor St, Sheridan, WY 82801, United States
advanceamerica.net Advance America (307) 672-2620 Advance America, 1955 Coffeen Ave, Sheridan, WY 82801, United States
onemainfinancial.com OneMain Financial (307) 672-3451 OneMain Financial, 804 Coffeen Ave, Sheridan, WY 82801, United States
paydayexpresscash.com Money Lenders (307) 673-4781 Money Lenders, 555 N Main St #3630, Sheridan, WY 82801, United States
Sundance Payday Loans
Website Company Telephone Address
wypinnbank.com Pinnacle Bank (307) 283-3372 Pinnacle Bank, 406 E Cleveland St, Sundance, WY 82729, United States
Thermopolis Payday Loans
Website Company Telephone Address
wypinnbank.com Pinnacle Bank (307) 864-5555 Pinnacle Bank, 125 S 5th St, Thermopolis, WY 82443, United States
Torrington Payday Loans
Website Company Telephone Address
paydayloanservices.org Money 4U (307) 532-2488 Money 4U, 208 E Valley Rd, Torrington, WY 82240, United States
wypinnbank.com Pinnacle Bank (307) 532-2181 Pinnacle Bank, 2000 Main St, Torrington, WY 82240, United States
Warren AFB Payday Loans
Website Company Telephone Address
lifeguardloan.com The LifeGuard Loan (352) 720-0058 The LifeGuard Loan, 1620 Central Ave, Francis E. Warren AFB, WY 82001, United States
competitivecredit.com CompetiveCredit (307) 365-6115 CompetiveCredit, 1712 Pioneer Ave, Francis E. Warren AFB, WY 82001, United States
Wheatland Payday Loans
Website Company Telephone Address
pvbank.com Platte Valley Bank (307) 322-9215 Platte Valley Bank, 200 16th St, Wheatland, WY 82201, United States