Personal loans in Bar Nunn, WY

If you are weighing a personal loan in Bar Nunn, start from the payment you can carry; its 3,001 residents face the same statewide rules. Bar Nunn is home to roughly 3,001 people and stands 22nd by size out of 99 Census places in Wyoming.

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.

The trend for Bar Nunn between 2020 and 2023 is upward by roughly 0.5%. For a community of about 3,001, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Mills, WY about 5 miles away. When Wyoming caps or restricts a product, lenders either change the terms or withdraw it from Bar Nunn as from the rest of the state.

Where Bar Nunn stands

Two layers matter for a Bar Nunn borrower: the local population picture and Wyoming's consumer-lending statutes.

The Wyoming lending rules that reach Bar Nunn

These are Wyoming's sourced lending facts as they reach Bar Nunn's 3,001 residents; the state has no city-level rate rule.

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

Getting a loan in Bar Nunn

With about 1,430 residents per square mile, Bar Nunn is moderately settled, and 3 larger Census places sit within 50 miles. What is available to Bar Nunn's 3,001 borrowers is set by Wyoming licensing and your own credit, not by how many branches are nearby. The nearest larger city, Mills, WY about 5 miles away.

A pre-application checklist for Bar Nunn

These steps shape the offer you get in Bar Nunn, a place of about 3,001 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Wyoming regulator's licence records before you sign.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Bar Nunn-specific: the same Wyoming licensing and disclosure rules reach all 3,001 residents.

Bar Nunn's place among Wyoming's 99 places

Bar Nunn is the 22nd-largest of 99 Census places in Wyoming and contains about 0.7% of the state's people. For population change between 2020 and 2023, Bar Nunn ranks 52nd of 99 in Wyoming (about the 47th percentile). Its roughly 1,430 residents per square mile place it 14th among Wyoming's places. In land area, Bar Nunn ranks 44th among Wyoming's 99 places.

What a Bar Nunn borrower is actually offered

With roughly 3,001 residents, Bar Nunn is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Bar Nunn can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Bar Nunn loan is knowable in advance — unlike a revolving card balance.

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 Bar Nunn 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 Bar Nunn is the same as anywhere in Wyoming.
What loan size can I expect in Bar Nunn?
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 Bar Nunn?
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 Bar Nunn 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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