Personal loans in Lost Springs, WY
The roughly 4 people who live in Lost Springs borrow under Wyoming rules; city hall sets no personal-loan rate. Lost Springs is one of 99 Census places in Wyoming; its 4 residents put it at 99th.
Verify the lender's Wyoming licence against the regulator named below before borrowing in Lost Springs. Lost Springs's population was effectively unchanged from the 2020 count to the 2023 estimate. When Wyoming caps or restricts a product, lenders either change the terms or withdraw it from Lost Springs as from the rest of the state. The closest larger place is Manville, WY about 16 miles away.
Lost Springs: the sourced local profile
Set out below is Lost Springs's local context next to the state-level rules that reach every lender here.
- Population: an estimated 4 residents, 99th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- Population trend: Little measurable movement between 2020 and 2023.
- Size percentile: Lost Springs sits ahead of around 0% of Wyoming places, at 4 people.
- Population density: about 44 people per square mile across 0.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Lost Springs's 0.1 square miles rank 99th of 99 places in Wyoming.
- State population share: Lost Springs accounts for about 0.0% of everyone in Wyoming.
- National rank: Lost Springs is 19,452nd of 19,457 places nationwide.
- Growth rank: Lost Springs's 2020-to-2023 change ranks 68th of 99 places in Wyoming.
- State comparison: Wyoming's places average +1.7% for 2020-to-2023, against Lost Springs's 0.0%.
- Density in Wyoming: Lost Springs ranks 97th by people per square mile.
- Density vs Wyoming: Lost Springs's 44 people per square mile compare with a state median of 699.
- Location: 42.7652, -104.9255 (US Census Bureau Gazetteer).
- Nearest larger cities: Manville (16 mi); Glendo (19 mi); Lusk (24 mi); Douglas (24 mi); Hartville (32 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Within a 50-mile radius: 0 smaller Census places.
- Larger places within 100 miles: 47.
Where Lost Springs sits
Inside Lost Springs's boundaries lie about 0.1 square miles of land, with no significant water area recorded. With 4 residents, the land area yields roughly 44 people per square mile. For the state's biggest city, Cheyenne, the distance is roughly 113 miles. A 50-mile radius around Lost Springs takes in 11 places that are larger. Within the same 50 miles lie 0 smaller Census places.
How lenders reach Lost Springs
Lost Springs is sparsely settled, with about 44 people per square mile and 11 larger places within 50 miles. Whether Lost Springs has a local branch or not, a Wyoming-licensed lender can serve its 4 people online on the same terms. The nearest larger city, Manville, WY about 16 miles away.
How personal loans work in Lost Springs
With roughly 4 residents, Lost Springs is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Lost Springs. A longer term lowers the monthly payment on a Lost Springs loan but raises total interest, so the smallest payment is not the cheapest loan.
Wyoming rules behind a Lost Springs personal loan
This table holds the Wyoming rate and licensing rules for consumer loans made to Lost Springs's 4 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wyoming 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 status | Legal 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 |
Lost Springs against the rest of Wyoming
Lost Springs is the 99th-largest of 99 Census places in Wyoming and contains about 0.0% of the state's people. For population change between 2020 and 2023, Lost Springs ranks 68th of 99 in Wyoming (about the 31th percentile). At about 44 people per square mile, Lost Springs is the 97th most densely settled place in Wyoming. By land area, its 0.1 square miles rank 99th of 99 places in Wyoming.
Common questions
What are my options in Lost Springs if my credit is poor?
What loan size can I expect in Lost Springs?
Do I have to pledge anything to borrow in Lost Springs?
Does comparing loans in Lost Springs cost me credit score points?
Nearby places
- Glendo, WY — population 238
- Manville, WY — population 92
- Lusk, WY — population 1,445
- Douglas, WY — population 6,449
- Hartville, WY — population 65
- Guernsey, WY — population 1,104
- Fort Laramie, WY — population 215
- Wheatland, WY — population 3,509