Personal loans in Edgerton, WY

An estimated 154 people make their home in Edgerton, a figure that ranks 84th in Wyoming. Edgerton, Wyoming — home to about 154 people — is a small community, so the terms you are offered follow Wyoming law rather than any local rule.

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.

For practical purposes, Edgerton's population was stable from the 2020 base to the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Edgerton lender. When Wyoming caps or restricts a product, lenders either change the terms or withdraw it from Edgerton as from the rest of the state. The nearest larger metro is Midwest, WY about 2 miles away.

Borrowing in Edgerton: the local picture

Set out below is Edgerton's local context next to the state-level rules that reach every lender here.

Getting a loan in Edgerton

At roughly 517 people per square mile, Edgerton is moderately settled; 9 larger places lie within 50 miles. Whether Edgerton has a local branch or not, a Wyoming-licensed lender can serve its 154 people online on the same terms. The nearest larger city, Midwest, WY about 2 miles away.

Edgerton against the rest of Wyoming

Edgerton is the 84th-largest of 99 Census places in Wyoming and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 65th of 99 Wyoming places, putting it near the 34th percentile for growth. By density, at about 517 people per square mile, it ranks 60th in Wyoming. Within 50 miles sit 0 smaller Census places, alongside the 9 that are larger.

Edgerton on the map

Edgerton's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 517 residents per square mile. The state's population centre of gravity, Cheyenne, is roughly 175 miles away. Within 50 miles of Edgerton there are 9 larger Census places. Within the same 50 miles lie 0 smaller Census places.

The state rulebook for Edgerton

For the roughly 154 residents of Edgerton, the rules below are Wyoming's own; each row carries its publisher and retrieval 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

The anatomy of a Edgerton personal loan

In Edgerton, a small community of about 154, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Edgerton's rank of 84th in Wyoming: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Edgerton 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 Edgerton 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 Edgerton is the same as anywhere in Wyoming.
What loan size can I expect in Edgerton?
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 Edgerton?
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 Edgerton 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.

Nearby places

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