Personal loans in Ten Sleep, WY

Ten Sleep is a small community of about 257 residents, and a personal loan taken out here is governed by Wyoming statute. A 2020-to-2023 comparison shows Ten Sleep up by about 3.6%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

An estimated 257 people make their home in Ten Sleep, a figure that ranks 72nd in Wyoming. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ten Sleep loan. Lenders active in Ten Sleep report to a Wyoming supervisor, identified in the sourced rows below. For a bigger market, look to Worland, WY about 26 miles away.

Ten Sleep: population, trend and location

Most of what governs a Ten Sleep loan is written in Wyoming law rather than in the city; the sourced notes below make that split concrete.

The Ten Sleep borrowing checklist

A sensible order of operations for a loan in Ten Sleep, home to about 257 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Wyoming licence by checking the regulator named above.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Ten Sleep-specific: the same Wyoming licensing and disclosure rules reach all 257 residents.

The anatomy of a Ten Sleep personal loan

In Ten Sleep, a small community of about 257, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Ten Sleep can be quoted different APRs on the same amount and term. Shortening the term on a Ten Sleep loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Lender access in Ten Sleep

At roughly 1,367 people per square mile, Ten Sleep is moderately settled; 6 larger places lie within 50 miles. Distance to a branch rarely matters for Ten Sleep's 257 residents: the application is online and the price follows your credit file. The nearest larger city, Worland, WY about 26 miles away.

Where Ten Sleep sits in Wyoming

Against Wyoming's other places, Ten Sleep accounts for about 0.1% of the state's population and ranks 72nd of 99 by size. On the 2020-to-2023 trend, Ten Sleep stands 24th among Wyoming's 99 places — roughly the 76th percentile. At about 1,367 people per square mile, Ten Sleep is the 16th most densely settled place in Wyoming. The population moved by about 9 people between 2020 and 2023, a 3.6% shift.

Which Wyoming laws govern a loan in Ten Sleep

The rows below set out what a licensed lender must follow in Wyoming, and so for Ten Sleep's roughly 257 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
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
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
Compare personal loan offers Run the numbers first

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 Ten Sleep 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 Ten Sleep is the same as anywhere in Wyoming.
What loan size can I expect in Ten Sleep?
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 Ten Sleep?
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 Ten Sleep 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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