Personal loans in Kaycee, WY

The first question in Kaycee is not the rate on offer but whether the payment fits; about 281 people live here under Wyoming lending law. The trend for Kaycee between 2020 and 2023 is upward by roughly 13.3%.

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 Census estimates 281 residents in Kaycee, which ranks it 71st of 99 places in Wyoming. Decide the purpose of the loan and your repayment plan before sharing any details with a Kaycee lender. A lender that serves Kaycee operates under Wyoming lending statutes and a Wyoming supervisor. The closest larger city is Midwest, WY about 27 miles away.

Kaycee by the numbers

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

Which Wyoming laws govern a loan in Kaycee

When Wyoming does not publish a figure, the row links to the source instead of inventing a number; Kaycee is bound by the same rules.

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
Small-loan / installment lender licensingConsumer Lender, Sales Finance Company, Post-Dated Check Casher, and Pawnbroker licenses via NMLS; licensing mandatory per location including online
Source says: Licensing is mandatory for every location where business is regularly conducted
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

Kaycee in state context

Set beside Wyoming's 99 places, Kaycee ranks 71st by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Kaycee stands 2nd among Wyoming's 99 places — roughly the 98th percentile. Its roughly 640 residents per square mile place it 51st among Wyoming's places. By land area, its 0.4 square miles rank 81st of 99 places in Wyoming.

The Kaycee borrowing checklist

Before you hand your details to a lender in Kaycee, where the population is near 281:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Wyoming licence with the regulator named above before committing.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Kaycee as elsewhere in Wyoming, the written terms — not the advertisement — are what count for its 281 residents.

Land, water and location for Kaycee

Inside Kaycee's boundaries lie roughly 0.4 square miles of land and 0.01 square miles of water. Spread across it are roughly 640 residents per square mile. Cheyenne, the largest place in Wyoming, is about 202 miles from Kaycee. Within 50 miles of Kaycee there are 2 larger Census places. By land area it ranks 81st of 99 Wyoming places.

Inside a Kaycee personal loan

With roughly 281 residents, Kaycee is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Kaycee lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Kaycee 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 Kaycee 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 Kaycee is the same as anywhere in Wyoming.
What loan size can I expect in Kaycee?
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 Kaycee?
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 Kaycee 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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