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.

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.

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.

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.

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

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.

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

Related