Best Payday Lenders in Wyoming

Despite being the nation’s least populous state, Wyoming still has plenty of residents, some of whom occasionally find themselves strapped for cash. Fortunately, for those considering payday loans, Wyoming has quite a few options, and we’ve sifted through all of them to give you the best of the best. Unsure about the legalities? We’ve got you covered there too. Read on for reviews of the top payday loan providers working in the Cowboy State and the critical aspects of the applicable Wyoming payday loan laws.

Best Payday Loan Providers Wyoming

Advance America

Advance America

Money today, momentum tomorrow.

One of the industry pioneers, Advance America has been in business since 1997. With over 1,400 physical stores across the continent and millions of clients served, Advance America offers some of the top payday loans on the market. They run a full-disclosure, no-nonsense kind of business where the customer always comes first.

Available in: AL, CA, CO, DE, FL, ID, IL, IN, IA, KS, KY, LA, MI, MS, MO, NE, NV, OH, OK, RI, SC, TN, TX, UT, VA, WA, WI, WY

Loan amount: Up to $1,000 (some states have a lower cap)

Loan term: 2-4 weeks

APR: Depends on the loan term (231-495%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Check into Cash Logo

Check into Cash

Your One Stop Money Shop

A true trailblazer, Check into Cash is among the best payday loans providers out there. The company was established in 1993, and they operate over 800 stores across 20 states. It is a well-established brand with numerous storefronts, which is quite reassuring to many customers. On the downside, they do run credit checks on new customers.

Available in: AL, AK, CA, DE, FL, HI, ID, IN, KS, MS, MO, NV, OK, OR, TN, TX, UT, WA, WI, and WY

Loan amount: $50-$1,000 (some states might have a lower cap)

Loan term: 14-30 days

APR: Depends on the loan term (261-782%)

Min. credit score: 300

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

CashNetUSA Logo

CashNetUSA

With CashNetUSA, money’s on the way!

If you’re looking for a well-established company with long traditions and excellent reviews, then look no further. CashNetUSA has been in business since 2004, and they’ve partnered with more than four million customers across 18 states. They offer one of the best-rated payday loans in the industry.

Available in: AL, AK, CA, FL, HI, ME, MI, MN, NV, ND, OH, OK, OR, SD, TN, TX, WY

Loan amount: $100-$1,500 for first-time customers (some states have a lower cap)

Loan term: 14-35 days

APR: Depends on the loan term (208-520%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same business day if approved

Online application: Yes

Check City Logo

Check City

Quick Cash Loans at Check City

Over 30 years ago, back in 1986, Check City opened its first store in Virginia. The company was a huge success from the get-go, and they quickly expanded the business. Nowadays, you can find the Check City storefronts in four states or get an online loan.

Loan amount range: $100 to $510

Loan term: up to 32 days

APR: 460% for a two-week loan

Min. credit score: N/A

Finance charge: $17.65 for every $100 borrowed

Approval time: Almost instant

Funds available in: Same or next business day

Number of Hawaii stores: Online only

Online application: Yes

24/7 open: No

Check'n Go Logo

Check ‘n Go

Real solutions for real people

Check ’n go opened its doors to customers in 1994. Their first storefront was in Kentucky, and they’ve since expanded their business to over 20 states. This company offers quick payday loans, with interest rates that fall well within the industry average. With 26 years of experience and 1,000 stores across the US, you can’t go wrong with Check ‘n Go.

Available in: AL, CA, DE, FL, HI, ID, IL, IN, IA, KS, KY, ME, MI, MS, MO, NE, NV, ND, OH, OK, RI, SC, TN, TX, UT, WI, WY

Loan amount: $50-$1,500 (some states might have a lower cap)

Loan term: 10-35 days

APR: Depends on the loan term (214.68-661.80%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Wyoming State Law for Payday Loans

Payday loans in the Equality State are regulated by the Wyoming Uniform Consumer Credit Code (Wy. Stat. 40-14-362 et seq.). State rules for such loans are less lenient than in some other US jurisdictions, but they still allow lenders to choose the loan amount and fees. The main restriction is on the loan repayment timeline.

State Law

State of Wyoming Payday Loans Requirements

Lenders’ eligibility requirements for borrowers in Wyoming can vary. However, you should be able to get a payday loan in the Cowboy State in most cases provided you meet the following criteria:

Most lenders will ask you for a copy of a government-issued photo ID, proof of regular income (e.g., your latest paystub), and the routing and account number for a checking account that’s in your name and accepts direct deposit.

Bad Credit Payday Loans

The payday loans Wyoming residents can get are primarily intended for people who find it challenging to secure funds on short notice from other sources, often because of poor or no credit. This means that if you satisfy the eligibility criteria mentioned above, getting a payday loan should not prove difficult.

Failing to Repay a Payday Loan

Wyoming’s law for payday loans doesn’t allow lenders to file criminal charges against non-repayment. However, they still have the right to try recovering the outstanding payment (and court charges and attorney’s fees) in civil court. They may also hire a collection agency and inform a credit bureau, which will bring down your credit score.

Reviews of the Best Wyoming Payday Loans

Advance America has been a trusted lender in Wyoming since 1998 and has built a network of eight stores. The firm’s overall characteristics have some of the best reviews in the business, but its customer service could be better. Despite its considerable experience and status as one of the nation’s finest payday lenders, the firm lacks a BBB accreditation or rating.

Advance America

Pros

Cons

Lending Offer Overview

Advance America is the largest provider of short-term loans in the state, offering both in-store and online payday loans for Wyoming customers. The most significant positive with the firm is its superfast approval process. In most cases, in-store customers can receive funds to their account on the same day. Even online customers can expect same-day funding if they get approved before 10:30 AM ET.

Customers have other forms of flexibility when borrowing from Advance America. In the stores, they can get money deposited directly to their debit card. They can also apply online and pick up cash at the nearest outlet. The eligibility criteria are pretty relaxed, and multiple repayment options are available.

The APRs are high, but in line with those of the rest of the payday loans Wyoming residents can apply for. A $100 loan for 14 days may have an APR of 521.42%, while $400 costs 235.03% for the same term. Thus, the rates particularly favor customers borrowing more significant amounts for longer periods. Of course, the rates discussed here are theoretical, and the actual cost to a borrower may differ based on their specific case. Other charges are not indicated, but customers should check for these before signing a contract.

Other Features

Advance America limits its services to payday loans and doesn’t offer the rest of its products in Wyoming. Customers can, however, buy Netspend Visa prepaid cards and send or receive money through MoneyGram at the stores.

Check Into Cash

Check Into Cash is another top US lender that offers both in-store and online payday loans Wyoming residents can apply for. Its reliability is strengthened by its BBB accreditation—rare among payday lenders—and its top rating. It has also had consistently strong customer reviews over the years.

Pros

Cons

Lending Offer Overview

Check Into Cash has just three stores in Wyoming, so its online lending offer may be more feasible for many state residents. Apart from allowing 24/7 online applications, the firm also lets customers check via phone if they qualify for a loan.

The firm is known for its conditional approval system that lets applicants know within minutes if they can get a loan from the firm. This makes the entire process very fast and facilitates same-day funding for in-store loans; the online payday loans Wyoming consumers can apply for with this lender will usually take one business day to get to your account. Interested customers should note the firm’s stricter eligibility criteria, including an age requirement of 21 instead of 18.

Check Into Cash’s indicated APRs for Wyoming are very high. For example, while a $300 loan for 14 days costs the standard 261%, a $100 loan for seven days can set you back by 1,043%. The firm usually charges an NSF fee of around $15, but it’s not specifically mentioned as applying to the payday loans Wyoming residents can get.

The more significant issue with the firm’s offering in Wyoming is the small range of loan amounts available. The maximum loan possible is $300, much lower than what most firms provide. The indicated terms are also limited to 14 days; however, some customers may qualify for longer terms.

Other Features

Check Into Cash doesn’t provide any other loans in Wyoming, but its in-store services include check cashing, Western Union money transfers, money orders, and bill payments. Customers can also sell new or used gift cards from most major retailers for cash.

CashNetUSA

CashNetUSA is an online provider of payday loans in Wyoming with an excellent Trustpilot score of 4.7/5 from over 17,000 customer reviews. Its standing with BBB, however, is not as great, where it gets an average rating of B and a poor customer review score of 1.09 out of 5. On the upside, the firm is particularly popular for its smart use of technology to provide customers with different loans.

Pros

Cons

Lending Offer Overview

Several factors make CashNetUSA the top online lender in the Cowboy State. Despite an online process, applying for the firm’s loans takes just a few minutes. Applicants receive an instant funding decision; if approved, Wyoming payday loans customers often receive their funds on the same day.

On the other hand, if the decision is to ask for more information, you may have to send in additional documents, such as pay stubs, to prove your regular income. Customers with poor credit are also eligible for cash advances from the firm.

Added convenience comes from CashNetUSA’s well-designed mobile app for the Android and iOS ecosystems. You can request funds, check your balance, and make payments from your smartphone.

The firm’s interest rates are also among the best compared to the payday loans Wyoming lenders generally offer. The indicated APRs for loans ranging from $100 to $1,500 are in the vicinity of 253.50%, regardless of the loan term. While the firm doesn’t offer loans for fewer than 14 days, most other options for a two-week $100 loan in Wyoming are more expensive than this.

Another plus is the firm’s website that provides substantial information on payday loans, ensuring visitors come away well-informed. Several app-based tools also help customers take control of their finances to avoid high-interest loans in the future.

Other Features

CashNetUSA is only licensed for online payday loans in the state and doesn’t provide the installment loans or lines of credit it does in some other states.

Check City

Check City is another lender with a BBB accreditation and A+ rating that provides payday loans in the Cowboy State. The firm also boasts of excellent customer reviews. Its offering, however, is limited to online payday loans for Wyoming consumers.

Pros

Cons

Lending Offer Overview

Much of Check City’s advantages in other states come from its in-store features, which are not available to Wyoming residents. Its online application process is straightforward and fast, but receiving the funds will take at least one business day.

One aspect where the firm stands out is that it’s an excellent option for customers with poor or no credit. We also like that Check City offers payday loans of up to $2,500 in Wyoming, a higher limit than the competition.

The firm indicates APRs for 30-day loans, which begin at 365% for $100 and hover around 243.33% for amounts of $200 and above. These rates are slightly higher than the typical APRs for Wyoming payday loans lenders tend to offer.

More importantly, the firm does not provide clear information on shorter-period rates—which are likely to be much higher—or even other charges.

On the upside, Check City allows adjusting repayment schedules to fit your payday. You can take out a portion of the loan you are approved for and withdraw the rest as the need arises. On occasion, the firm even offers discounts for customers who pay on time or early.

Other Features

Check City provides a bunch of extra services in its stores. However, the firm’s payday loans in Wyoming are its only products available to state residents as it doesn’t have a physical presence here.

Check N Go

Check N Go’s services are backed by an excellent BBB rating and a high Trustpilot score. The firm does not provide in-store services in Wyoming currently, but online borrowers from the state can benefit from its smooth process and friendly customer service.

Pros

Cons

Lending Offer Overview

In other states, lenders can benefit from a quicker process at Check N Go’s stores and access several additional services. These are not available to customers of the firm’s online payday loans in Wyoming. However, online lending also has some advantages, primarily the convenience of obtaining funds without stepping out from one’s home.

Approved borrowers, therefore, will have to wait for at least one business day to receive funds. The application process is otherwise uncomplicated, quick, and secure. Once approved, you can eSign the contract and finalize your loan.

The more significant issue with Check N Go’s loans in Wyoming is that you won’t get amounts above $200. This low cap is surprising considering that the Wyoming state law for payday loans does not specify any upper limit for loan amounts. Given the low amounts, the APR is unsurprisingly high, with a 14-day $200 loan costing you 391.07%. The rates for longer periods will be more economical.

Customers should note that Check N Go takes applicants’ credit into account during the underwriting process, but poor credit or past bankruptcy will not prevent customers from obtaining funds. However, your credit standing may affect the rates you get. Moreover, while a verifiable source of income, an active checking account, and an ID may suffice for a loan in most cases, additional documents may be needed for some customers.

Other Features

Much like other firms offering only online payday loans in Wyoming, Check N Go does not provide the extra services it does in many states.

FAQ

Are payday loans legal in Wyoming?

Yes, payday loans are legal in Wyoming and a popular source of funds for short terms.

The Bottom Line

While Wyoming’s laws place some restrictions on cash advances, much is left for the lending firms to decide. This makes it crucial for potential borrowers to familiarize themselves with the regulations to avoid any shady practices. The firms listed here are all licensed and reputed providers of payday loans Wyoming residents can apply for and present a safe option. All you have to do now is pick out the best lender for your specific needs.

Always remember to borrow responsibly and never take out more cash than you can reasonably repay.

Your BalancingEverything Team

References:

MoneyLion

UStatesLoans.org

Consumer Federation of America

Advance America

Check Into Cash

CashNetUSA

Check City

Check N Go