Personal loans in Chugwater, WY

In Chugwater, one of 99 Census places in Wyoming, the figure to compare across lenders is the APR, not the advertised rate. Chugwater lost roughly 3.4% of its population across the 2020-to-2023 comparison. Verify the lender's Wyoming licence against the regulator named below before borrowing in Chugwater. The nearest larger metro is Wheatland, WY about 22 miles away.

Borrowing in Chugwater: the local picture

Here is the sourced Census picture for Chugwater, plus the Wyoming lending rules that apply to a loan taken out here.

• Population: an estimated 171 residents, 81st of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 3.4% since the 2020 count.
• Net change: roughly 6 fewer people than the 2020 Census counted.
• Size percentile: Chugwater sits ahead of around 18% of Wyoming places, at 171 people.
• Density: roughly 56 residents per square mile, spread over 3.1 sq mi of land.
• Land area rank: Chugwater's 3.1 square miles rank 28th of 99 places in Wyoming.
• Share of Wyoming: Chugwater holds about 0.0% of the state's population, some 171 people.
• National rank: Chugwater is the 16,930th most populous of the 19,457 Census places covered here.
• Growth in Wyoming: Chugwater stands 95th by percentage change from 2020 to 2023, among 99 places.
• Against the state trend: Chugwater's 3.4% change compares with a Wyoming average of +1.7% across its 99 places.
• Density in Wyoming: Chugwater ranks 95th by people per square mile.
• Against the state median: Chugwater runs about 56 residents per square mile, where the Wyoming median is 699.
• Location: the Census Gazetteer records it at 41.7557, -104.8229.
• Nearest larger cities: Wheatland (22 mi); LaGrange (35 mi); Fort Laramie (35 mi); Guernsey (35 mi); Lingle (36 mi). Larger metros often have more branches, but online lenders reach Chugwater on the same terms.
• Nearest smaller places: Yoder (29 mi); Hartville (40 mi); Henry (43 mi).
• Within a 50-mile radius: 4 smaller Census places.
• Larger places within 100 miles: 50.

Inside a Chugwater personal loan

Most loans made to Chugwater's 171 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Chugwater's rank of 81st in Wyoming: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Chugwater loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Before you apply in Chugwater

For Chugwater's roughly 171 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Wyoming regulator's licence list.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Chugwater-specific: the same Wyoming licensing and disclosure rules reach all 171 residents.

Chugwater's place among Wyoming's 99 places

Within Wyoming, Chugwater holds roughly 0.0% of all residents, the 81st-largest share among 99 places. On the 2020-to-2023 trend, Chugwater stands 95th among Wyoming's 99 places — roughly the 4th percentile. Its roughly 56 residents per square mile place it 95th among Wyoming's places. Between 2020 and 2023 the count changed by roughly 6 residents.

The state rulebook for Chugwater

This table holds the Wyoming rate and licensing rules for consumer loans made to Chugwater's 171 residents.

Chugwater on the map

The Census Gazetteer records about 3.1 square miles of land within Chugwater, with no significant water area listed. With 171 residents, the land area yields roughly 56 people per square mile. The state's population centre of gravity, Cheyenne, is roughly 43 miles away. Counting outward 50 miles, 10 larger communities surround Chugwater. Within the same 50 miles lie 4 smaller Census places.