Regulator Details

Wyoming Division of Banking

Uniform Consumer Credit Code
122 West 25th Street
Cheyenne, WY 82002
Phone: (307) 777-7797
Fax: (307) 777-3555
Contact: Joe Mulberry, UCCC Supervisor

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Wyoming Payday Loan Laws

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eligible credit type ⓘ

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Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
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good
great

Wyoming Payday Loan Laws Details

The data provided here is for general informational purposes and should not be used as legal reference. If you have questions regarding Wyoming payday loan laws contact the Wyoming Division of Banking.

Payday loans are legal in Wyoming (see Wyoming Payday Loans or Wyoming Installment Loans to compare fees and requirements for individual lenders).

Feature Specification
Amount (max) Not Specified
Rates or Fees (max) the greater of 20% per month or $30
Term Limitations 1 calendar month
General Loan Terms

In Wyoming, no rollovers are permitted (cannot repay, refinance or consolidate by proceeds of another check). Nothing is mentioned about cooling periods between loans. Wyoming has no requirements for extended repayment plans.

For example, in Wyoming the rates and fees on a 14 day, $100 loan are:

Terms Amount
Loan Amount $100
Fees $30
APR 780%
Sample Loan Terms

Wyoming also defines regulations around collections. If available, the table below lists the fees lenders are permitted to charge if the loan is not repaid and/or whether a lender can threaten use of or use criminal action if a borrower is unable to repay a loan.

Feature Specification
Criminal Action Prohibited (Prior to date on instrument)
Regulations on Collections
Citation: Wy. Stat. 40-14-362 et seq.