Personal loans in Deaver, WY

Deaver ranks 82nd of 99 places in Wyoming, with a population near 169. If you are weighing a personal loan in Deaver, start from the payment you can carry; its 169 residents face the same statewide rules.

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

Compare loan offers Run the numbers first

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 2020 count to the 2023 estimate shows about 9.0% growth in Deaver. If debt is already a strain, a nonprofit credit counsellor can help Deaver residents before they take on more. Every figure below is Wyoming's own, applied to Deaver's 169 residents, with the publisher and retrieval date attached. The nearest larger city is Cowley, WY about 6 miles away.

Local context for Deaver

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

Borrowing reach in Deaver

Deaver is a lightly settled community of about 169 people, with 12 larger places inside a 50-mile radius. Lenders licensed in Wyoming reach Deaver's 169 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Cowley, WY about 6 miles away.

Deaver against the rest of Wyoming

Set beside Wyoming's 99 places, Deaver ranks 82nd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Deaver ranks 9th of 99 in Wyoming (about the 91th percentile). By density, at about 167 people per square mile, it ranks 85th in Wyoming. The population moved by about 14 people between 2020 and 2023, a 9.0% shift.

What a Deaver borrower is actually offered

Most loans made to Deaver's 169 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Deaver loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Deaver loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in Deaver

A sensible order of operations for a loan in Deaver, home to about 169 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Verify the lender's Wyoming licence with the regulator listed on this page.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Wyoming; what changes is your credit file, not the fact that Deaver holds 169 people.

Wyoming consumer-lending rules applied in Deaver

Read the table as a lender's compliance picture for Deaver: the rule, the sourced figure, the publisher and the date.

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
Compare personal loan offers Run the numbers first

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