Personal loans in Albin, WY

Albin is one of 99 Census places in Wyoming; its 160 residents put it at 83rd. Two households in Albin with comparable incomes can still be offered different rates; the city's 160 residents are not the reason.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Population in Albin dropped about 5.3% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Albin lender. Lenders active in Albin report to a Wyoming supervisor, identified in the sourced rows below. The closest larger city is LaGrange, WY about 16 miles away.

Albin by the numbers

Albin is a small community; the notes below cover its population profile and the statewide rules that apply.

How lenders reach Albin

Albin is a moderately settled community of about 160 people, with 17 larger places inside a 50-mile radius. Whether Albin has a local branch or not, a Wyoming-licensed lender can serve its 160 people online on the same terms. The nearest larger city, LaGrange, WY about 16 miles away.

Before you apply in Albin

Before you apply in Albin, a community of about 160, work through these steps:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the Wyoming regulator's records to confirm the lender is licensed here.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Albin and the rest of Wyoming is not the process but the borrower's own file, among the 160 people here.

Inside a Albin personal loan

With roughly 160 residents, Albin is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Albin. A longer term lowers the monthly payment on a Albin loan but raises total interest, so the smallest payment is not the cheapest loan.

Albin: area, density and distance

The Census Gazetteer records about 0.1 square miles of land within Albin, with no significant water area listed. That land carries about 1,088 people per square mile. The largest place in Wyoming, Cheyenne, lies about 41 miles away. Albin has 17 larger places within a 50-mile radius. By land area it ranks 97th of 99 Wyoming places.

How Wyoming law applies in Albin

This table holds the Wyoming rate and licensing rules for consumer loans made to Albin's 160 residents.

RuleDetailSource
State lending regulatorWyoming Division of Banking
Source says: The Division is responsible for the chartering and regulation of Wyoming state banks, trust companies, mortgage companies, as well as non-bank financial companies.
Wyoming Division of Banking
as of 2026-09-16
Maximum legal interest rate (usury cap)36% per year on unpaid principal balances up to $1,000; 21% above $1,000 (Wyo. Stat. § 40-14-310(g))
Source says: shall not exceed the equivalent of thirty-six percent (36%) per year on that part of the unpaid balances of the principal
Wyoming Legislature (Wyoming Statutes)
as of 2026-09-16
Payday lending statusLegal with a post-dated check casher license; finance charge capped at the greater of $30 or 20% per month; max term 1 month (Wyo. Stat. § 40-14-363)
Source says: No post-dated check finance charge shall exceed the greater of thirty dollars ($30.00) or twenty percent (20%) per month on the principal balance
Wyoming Legislature (Wyoming Statutes)
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Albin if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Albin is the same as anywhere in Wyoming.
What loan size can I expect in Albin?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Albin?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Albin cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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