Personal loans in Mills, WY
At about 4,517 residents, Mills is larger than roughly 81% of the places in Wyoming. Mills counts about 4,517 people, and what is genuinely local about borrowing here is limited — Wyoming law does the governing.
Begin with the payment, then weigh APR and total interest across the lenders that reach Mills's 4,517 residents. When Wyoming caps or restricts a product, lenders either change the terms or withdraw it from Mills as from the rest of the state. Mills gained roughly 7.6% in population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to Casper, WY about 4 miles away.
Mills by the numbers
Only a few things actually differ by place — population, area, location, and the Wyoming rules a lender must follow — and they are below.
- Population: a Census-estimated 4,517, 19th among Wyoming's 99 places (Vintage 2023).
- Population trend: A gain of roughly 7.6% between 2020 and 2023.
- People gained or lost: about 319 more since the 2020 base.
- Size percentile: with 4,517 residents, Mills is larger than about 81% of Wyoming's Census places.
- Population density: 887 people per square mile on 5.1 square miles of land.
- Land area rank: Mills's 5.1 square miles rank 14th of 99 places in Wyoming.
- Water: Mills holds about 0.06 square miles, the 8th-largest water area in Wyoming.
- Within Wyoming: about 1.1% of the state's population lives in Mills.
- National standing: Mills ranks 5,126th of 19,457 US places.
- Growth rank: Mills ranks 11th among Wyoming's 99 places for the 2020-to-2023 change.
- State comparison: Wyoming's places average +1.7% for 2020-to-2023, against Mills's 7.6%.
- Density rank: Mills is the 39th most densely settled place in Wyoming.
- Density vs Wyoming: Mills's 887 people per square mile compare with a state median of 699.
- Location: coordinates 42.8499, -106.3908 (US Census Bureau Gazetteer).
- Nearest larger cities: Casper (4 mi); Douglas (51 mi); Rawlins (85 mi); Riverton (101 mi); Buffalo (104 mi). Larger metros often have more branches, but online lenders reach Mills on the same terms.
- Smaller communities close by: Bar Nunn (5 mi); Evansville (6 mi); Glenrock (27 mi), each with its own Census population profile.
- Within a 50-mile radius: 6 smaller Census places.
- Within 100 miles: 3 places are larger than Mills.
Mills's place among Wyoming's 99 places
Against Wyoming's other places, Mills accounts for about 1.1% of the state's population and ranks 19th of 99 by size. Its 2020-to-2023 change ranks 11th of 99 Wyoming places, putting it near the 89th percentile for growth. By density, at about 887 people per square mile, it ranks 39th in Wyoming. In land area, Mills ranks 14th among Wyoming's 99 places.
Mills: area, density and distance
Mills covers about 5.1 square miles of land, with 0.06 square miles of water inside its boundaries (Census Gazetteer). With 4,517 residents, the land area yields roughly 887 people per square mile. The largest place in Wyoming, Cheyenne, lies about 145 miles away. Within 50 miles of Mills there are 1 larger Census places. The 100-mile radius contains 3 larger places.
The anatomy of a Mills personal loan
In Mills, a small community of about 4,517, 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 Mills's rank of 19th 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 Mills loan is knowable in advance — unlike a revolving card balance.
The Wyoming lending rules that reach Mills
When Wyoming does not publish a figure, the row links to the source instead of inventing a number; Mills is bound by the same rules.
| 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 |
What is available to Mills borrowers
Mills is moderately settled, with about 887 people per square mile and 1 larger places within 50 miles. Distance to a branch rarely matters for Mills's 4,517 residents: the application is online and the price follows your credit file. The nearest bigger place is Casper, WY about 4 miles away.
Common questions
What are my options in Mills if my credit is poor?
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Does comparing loans in Mills cost me credit score points?
Nearby places
- Casper, WY — population 58,720
- Bar Nunn, WY — population 3,001
- Evansville, WY — population 2,778
- Glenrock, WY — population 2,421
- Rolling Hills, WY — population 426
- Midwest, WY — population 286
- Edgerton, WY — population 154
- Kaycee, WY — population 281