Personal loans in Dayton, WY

If debt is already a strain, a nonprofit credit counsellor can help Dayton residents before they take on more. The trend for Dayton between 2020 and 2023 is upward by roughly 1.0%. When Wyoming caps or restricts a product, lenders either change the terms or withdraw it from Dayton as from the rest of the state. For a bigger market, look to Ranchester, WY about 5 miles away.

Dayton by the numbers

The figures below are Dayton's own — Census population, land area and coordinates — followed by the Wyoming rules.

• Population: an estimated 827 residents, 48th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 1.0%.
• People gained or lost: about 8 more since the 2020 base.
• Size percentile: with 827 residents, Dayton is larger than about 52% of Wyoming's Census places.
• Density: roughly 1,509 residents per square mile, spread over 0.5 sq mi of land.
• Land area: Dayton covers 0.5 square miles, the 75th-largest area among Wyoming's 99 places.
• Share of Wyoming: Dayton holds about 0.2% of the state's population, some 827 people.
• National standing: Dayton ranks 11,037th of 19,457 US places.
• Growth rank: Dayton ranks 47th among Wyoming's 99 places for the 2020-to-2023 change.
• State comparison: Wyoming's places average +1.7% for 2020-to-2023, against Dayton's 1.0%.
• Density in Wyoming: Dayton ranks 11th by people per square mile.
• Density vs Wyoming: Dayton's 1,509 people per square mile compare with a state median of 699.
• Location: mapped by the US Census Bureau at 44.8734, -107.2624.
• Nearest larger cities: Ranchester (5 mi); Sheridan (16 mi); Buffalo (46 mi); Greybull (47 mi); Basin (51 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Lodge Grass (31 mi); Clearmont (46 mi); Manderson (54 mi).
• Smaller neighbours: 2 places smaller than Dayton sit within 50 miles.
• Within 100 miles: 17 places are larger than Dayton.

Wyoming rules behind a Dayton personal loan

Wyoming has no separate rate rule for Dayton; the sourced rows below are what reach every lender that serves its 827 people.

How lenders reach Dayton

At roughly 1,509 people per square mile, Dayton is moderately settled; 4 larger places lie within 50 miles. Whether Dayton has a local branch or not, a Wyoming-licensed lender can serve its 827 people online on the same terms. For a larger market, the closest option is Ranchester, WY about 5 miles away.

What to do before borrowing in Dayton

Before you hand your details to a lender in Dayton, where the population is near 827:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
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. Verify the lender's Wyoming licence with the regulator listed on this page.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

The process is identical across Wyoming; what changes is your credit file, not the fact that Dayton holds 827 people.

Dayton on the map

Dayton's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,509 people per square mile. For the state's biggest city, Cheyenne, the distance is roughly 287 miles. Within 50 miles of Dayton there are 4 larger Census places. By land area it ranks 75th of 99 Wyoming places.

Inside a Dayton personal loan

In Dayton, a small community of about 827, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Dayton lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Dayton loan but raises total interest, so the smallest payment is not the cheapest loan.