Installment Loans in Wyoming
Wyoming separately licenses Consumer Lenders for installment borrowing. The cited consumer-credit framework allows up to 36% per year on unpaid principal through $1,000 and 21% on the portion above $1,000.
Wyoming legal category: Consumer Loan · Wyoming Uniform Consumer Credit Code, Title 40, Article 14
Wyoming installment loans at a glance
- Legal status
- Permitted Regulated
- Legal category
- Consumer Loan
- Maximum amount in this regime
- Wyoming’s consumer-loan framework is not represented here as having a $5,000 statutory ceiling. PLS Cash Advance uses $1,000–$5,000 as an editorial routing range.
- Term
- No single statutory maximum term is encoded for every Wyoming consumer installment loan in the site range; contract terms remain subject to the Uniform Consumer Credit Code.
- Regulator
- Wyoming Division of Banking
- Verified
- 2026-09-07
Choose a loan type by amount
PLS Cash Advance currently presents request amounts from $200 to $5,000. The ranges below are navigation guidance between our state loan guides — not statutory limits, eligibility rules, or a promise of approval.
Payday Loans in Wyoming
Editorial short-term routing only. Wyoming’s cited post-dated-check statute does not set this $1,000 endpoint as a statutory maximum.
Installment Loans in Wyoming
Editorial installment route; $5,000 is the current site selector boundary rather than a statutory maximum.
Amount and term limits
Wyoming’s consumer-loan framework is not represented here as having a $5,000 statutory ceiling. PLS Cash Advance uses $1,000–$5,000 as an editorial routing range.
No single statutory maximum term is encoded for every Wyoming consumer installment loan in the site range; contract terms remain subject to the Uniform Consumer Credit Code.
Interest, fees and repayment
Wyoming uses principal-band annual rate ceilings for regulated consumer loans rather than one flat rate across the full balance.
The cited consumer-loan provision permits up to 36% per year on the unpaid principal balance up to $1,000 and 21% per year on the portion above $1,000.
Consumer loans may be repaid in periodic installments under the written agreement and Wyoming’s consumer-credit rules.
| Principal band | Maximum annual interest rate |
|---|---|
| $0–$1,000 | 36% |
| Over $1,000 | 21% |
Rollovers, refinancing and early payment
- Rollover allowed?
- Not reduced to a yes/no rule
Ordinary renewal/refinancing depends on the consumer-loan contract and applicable UCCC provisions; the post-dated-check anti-refinancing rule is not automatically imported into this product. - Prepayment penalty allowed?
- No
Wyoming consumer-credit law provides a right to prepay covered consumer credit without penalty, subject to the applicable statutory computation rules.
Wyoming borrower protections
- Consumer Lenders must hold the appropriate Wyoming license.
- The annual rate ceiling changes above the first $1,000 of unpaid principal.
- Borrowers have statutory prepayment rights for covered consumer credit.
- The $5,000 PLS Cash Advance endpoint is an editorial boundary, not a Wyoming statutory maximum.
Wyoming loan cost calculator
How to verify a lender in Wyoming
Regulator: Wyoming Division of Banking.
Consumer Lender license
Official sources
- Wyoming Statutes Title 40 — Consumer loan finance charge provisions · primary
- Wyoming Division of Banking — Consumer Lending License and Registration · primary
Last regulatory verification: 2026-09-07. Laws can change; verify current terms and lender status before borrowing. Read our research methodology.