Wyoming Payday Loans
Wyoming touches more states than any other state and its name is an Indian slang word meaning "almost square." It was the first state to allow women to vote. It is the smallest state in terms of population, the tenth largest in terms of area, and is home to most of Yellowstone National Park.
Payday loans are governed in Wyoming by several requirements imposed by the state. Lenders must conspicuously display their fees. They must also disclose a borrower's rights and obligations in clear and understandable language. Customers have the right to cancel their payday loans or payday cash advance loan and the lender has 20 days to refund the customer's payment. Initial fees can be paid in installments if allowed by the lender and the lender cannot charge an additional fee for this service. Delinquent borrowers are protected from criminal prosecution but can face civil penalties imposed through private actions.
Maximum Loan Amount
There is no set maximum loan amount in Wyoming.
Loan Terms
The state sets the loan terms at 30 calendar days.
Extensions
Wyoming does not allow extensions and rollovers.
Fees and Charges
Lenders may not charge more than $30 or 20 percent of the loan amount, whichever is greater, in any given month.
Fee Schedule and APR
The APR is 780% for a two-week, $100 loan.
Cheyenne, WY 82009
Green River, WY 82935
Gillette, WY 82716
Cheyenne, WY 82001
Cheyenne, WY 82007
Cheyenne, WY 82009
Cheyenne, WY 82001
Casper, WY 82609
Gillette, WY 82716
Sheridan, WY 82801
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| Pay Schedule | ||||||||
| Average Loan | Average Age | Weekly | Bi-Weekly | Monthly | Twice Per Month | Home Owner | Renter | |
|---|---|---|---|---|---|---|---|---|
| 2012 | $636 | 38 | 11% | 47% | 30% | 11% | 34% | 66% |
| 2011 | $776 | 36 | 7% | 61% | 20% | 12% | 37% | 63% |
| 2010 | $813 | 39 | 19% | 44% | 19% | 18% | 40% | 60% |

