Wyoming payday loan laws is the answer to “are payday loans legal in Wyoming”. This guide gives the Wyoming figures in a dated table, explains in plain words what they mean, walks through the steps, and points to the official forms and free help.
The Wyoming payday loan laws figures on this page were verified against a dated 50-state compilation and Wyoming sources as of October 2026; the statute named here is where to check them yourself.
Wyoming payday loan laws at a Glance
| Status | Legal |
| Fee or APR cap | $30 or 20% per month, whichever is greater |
| Maximum loan | no statutory maximum |
| Maximum term | one calendar month |
| Statute | Wyo. Stat. 40-14-362 et seq. |
In This Wyoming payday loan laws Guide:
What Wyoming Payday Loan Laws Cover
A payday loan is a small, short-term loan where you write the lender a post-dated check, or authorize a debit, for the amount borrowed plus a fee, and the lender holds it until your next payday. Wyoming law calls these businesses “post-dated check cashers.” They must be licensed by the Wyoming Division of Banking under the Wyoming Uniform Consumer Credit Code, and the law caps the finance charge.
That charge is fully earned on the day the loan is made.
The Wyoming payday loan laws Figures
| Rule | Bonus Bank Daily verified figure |
|---|---|
| Status | Legalcompilation / agency — verified Oct 2026 |
| Fee or APR cap | $30 or 20% per month, whichever is greatercompilation / agency — verified Oct 2026 |
| Maximum loan | no statutory maximumcompilation / agency — verified Oct 2026 |
| Maximum term | one calendar monthcompilation / agency — verified Oct 2026 |
| Statute | Wyo. Stat. 40-14-362 et seq.compilation / agency — verified Oct 2026 |
The Wyoming payday loan laws figures on this page were verified against a dated 50-state compilation and Wyoming sources as of October 2026; the statute named here is where to check them yourself.
What a Loan Costs Under Wyoming Payday Loan Laws
Say you borrow $300 for 14 days and the lender charges the most allowed. The fee would be $60, so you would repay $360 on your due date. Over 14 days, that $60 works out to an APR of about 521%. Stretched over a full 30 days, the same fee is about 243% APR. Confirm the actual charge on your written agreement.
Online Lenders and Wyoming Payday Loan Laws
Lenders who make loans to residents generally must follow the state’s rules and hold its license. Check the regulator’s license lookup before giving any lender access to your bank account.
Your Rights Under Wyoming Payday Loan Laws
Borrowers often have rights to a repayment plan, limits on bounced-check fees, and the federal right to stop a lender’s automatic withdrawals by notifying the bank.
Alternatives to Loans Under Wyoming Payday Loan Laws
Many Wyoming credit unions offer members small-dollar or “payday alternative” loans repaid over several months at much lower rates; terms vary, so ask your credit union directly. Some employers offer paycheck advances. The original creditor (a utility, landlord or medical provider) may accept a payment plan. Nonprofit credit counseling agencies may also help with a budget or repayment plan. Confirm any fees before you enroll.
Reporting a Lender That Breaks Wyoming Payday Loan Laws
The Wyoming Division of Banking takes written complaints about post-dated check cashers. It asks you to contact the lender first, and it investigates only possible violations of banking or consumer credit law, not private disputes. You can print the complaint form from its website or request one by mail. You can also file with the CFPB at consumerfinance.gov/complaint.
Keep your loan agreement, the signed notice, receipts, bank statements showing withdrawals, and any letters, texts or call logs from the lender or a collector.
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Common Mistakes With Wyoming payday loan laws
The most common mistake is missing a deadline: court and creditor deadlines run whether or not you have read the papers, and a missed one usually cannot be undone. The second is relying on an old article or a friend’s experience in another state — the rules on this page differ from state to state and change often, which is why every figure here is dated.
The third is not keeping copies: every letter, form, receipt and bank statement may matter later, so keep them together and note the date you received each one.
Free Help With Wyoming payday loan laws in Wyoming
You do not have to handle this alone or pay to get answers. The Wyoming court self-help center explains the forms and the steps, and court clerks can tell you where and how to file, although they cannot give legal advice.
Legal aid organizations represent many people at no cost when income is limited, and the Wyoming bar’s lawyer referral service can connect you with a lawyer for a low-cost first consultation. The Consumer Financial Protection Bureau accepts complaints about lenders, banks and debt collectors nationwide.
How We Verify the Wyoming payday loan laws Figures
Every figure in the table above comes from our 50-state data file, built by reading the Wyoming statute or an official compilation of it, and each one carries the month we last checked it. Our writers do not change those figures; they explain them. When the law changes, the figure is updated and the date moves.
If something on this page no longer matches the statute, the statute controls — and we want to hear about it.
Wyoming requires the lender to give you a written notice of your rights with each post-dated check loan and to get your signature on it (Wyo. Stat. 40-14-365 and 40-14-367). The extended payment plan must be requested before 5:00 p.m. Mountain Time on the last business day before the due date, and it is recorded in a signed amendment to your agreement.
If you miss a plan installment, the lender may treat the plan as in default, demand the full balance, and charge interest on what is still owed.
Next rung: the Wyoming maximum interest rate page shows the general cap behind these limits.
Wyoming — the bottom line
- Wyoming payday loan laws decide whether a payday loan can be offered at all, and at what cost — the status and cap are in the table above.
- Under Wyoming payday loan laws, licensed lenders must follow the fee, size and rollover limits; an unlicensed lender is a red flag.
- If a lender breaks the Wyoming payday loan laws, report it to the regulator named in the table.
Wyoming Payday Loan Laws FAQ
Are payday loans legal in Wyoming?
Yes, under the license and limits in the table above.
Official Wyoming Sources & Resources
- Statute and the National Conference of State Legislatures payday lending statute summary — payday and small loans: https://www.ncsl.org/financial-services/payday-lending-state-statutes
- Wyoming statute / opinion: https://wyoleg.gov/statutes/compress/title40.pdf
- Wyoming Division of Banking — Consumer Lending, Uniform Consumer Credit Code Licensees and How to File a Complaint: https://wyomingbankingdivision.wyo.gov/how-to-file-a-complaint
- Consumer Financial Protection Bureau: consumerfinance.gov
This Wyoming payday loan laws guide was last verified against official Wyoming sources in October 2026. Rules change — confirm the current rule with the statute or a licensed attorney.
More Wyoming Money Rights Guides
- Wyoming Maximum Interest Rate
- Wyoming Debt Statute of Limitations
- Money Rights Guides for All 50 States
Disclaimer: This guide is general information, not legal or financial advice. Bonus Bank Daily is an independent educational resource — not a law firm, not a bank, not a debt collector and not a government agency. Judgment, levy, interest-rate and debt rules change — every figure here carries the date we verified it.
Confirm the current rule with the statute, the court clerk or a licensed attorney in your state before you act.