Personal loans in Thermopolis, WY
Thermopolis is one of 99 Census places in Wyoming; its 2,742 residents put it at 24th. The roughly 2,742 people who live in Thermopolis borrow under Wyoming rules; city hall sets no personal-loan rate.
Pull your credit reports and line up at least three offers before you apply from Thermopolis. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Thermopolis's 2,742 residents. Thermopolis added about 0.8% to its population between the 2020 base and the 2023 estimate. The next larger city is Worland, WY about 29 miles away.
Thermopolis: population, trend and location
What follows is Thermopolis's place in the Census record, alongside the Wyoming rules that govern a personal loan made here.
- Population: 2,742 — Thermopolis ranks 24th of 99 communities in Wyoming (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 0.8% across the 2020-to-2023 comparison.
- People gained or lost: about 21 more since the 2020 base.
- Size percentile: with 2,742 residents, Thermopolis is larger than about 76% of Wyoming's Census places.
- Population density: about 1,148 people per square mile across 2.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Thermopolis's 2.4 square miles rank 38th of 99 places in Wyoming.
- Water area rank: Thermopolis ranks 7th among Wyoming's 99 places, with 0.08 sq mi.
- State share: roughly 0.7% of Wyoming's residents live in Thermopolis (2,742 people).
- National rank: Thermopolis is the 6,562nd most populous of the 19,457 Census places covered here.
- Growth in Wyoming: Thermopolis stands 49th by percentage change from 2020 to 2023, among 99 places.
- Against the state trend: Thermopolis's 0.8% change compares with a Wyoming average of +1.7% across its 99 places.
- Density rank: Thermopolis is the 23rd most densely settled place in Wyoming.
- Density vs Wyoming: Thermopolis's 1,148 people per square mile compare with a state median of 699.
- Location: mapped by the US Census Bureau at 43.6476, -108.2145.
- Nearest larger cities: Worland (29 mi); Riverton (44 mi); Lander (62 mi); Cody (73 mi); Powell (82 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: East Thermopolis (1 mi); Kirby (11 mi); Shoshoni (29 mi), each with its own Census population profile.
- Smaller neighbours: 7 places smaller than Thermopolis sit within 50 miles.
- Within 100 miles: 6 places are larger than Thermopolis.
What Wyoming law requires in Thermopolis
This table holds the Wyoming rate and licensing rules for consumer loans made to Thermopolis's 2,742 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 |
| Small-loan / installment lender licensing | Consumer 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 |
Thermopolis's place among Wyoming's 99 places
Thermopolis is the 24th-largest of 99 Census places in Wyoming and contains about 0.7% of the state's people. For population change between 2020 and 2023, Thermopolis ranks 49th of 99 in Wyoming (about the 51th percentile). By density, at about 1,148 people per square mile, it ranks 23rd in Wyoming. The population moved by about 21 people between 2020 and 2023, a 0.8% shift.
What shapes a Thermopolis personal loan
A Thermopolis personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,742 residents. Because pricing is borrower-level, two people in Thermopolis can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Thermopolis loan but raises total interest, so the smallest payment is not the cheapest loan.
Land, water and location for Thermopolis
Thermopolis's land area is about 2.4 square miles; a further 0.08 square miles is water. With 2,742 residents, the land area yields roughly 1,148 people per square mile. Cheyenne, the largest place in Wyoming, is about 247 miles from Thermopolis. Within 50 miles of Thermopolis there are 2 larger Census places. Within the same 50 miles lie 7 smaller Census places.
Borrowing reach in Thermopolis
At roughly 1,148 people per square mile, Thermopolis is moderately settled; 2 larger places lie within 50 miles. Lenders licensed in Wyoming reach Thermopolis's 2,742 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Worland, WY about 29 miles away.
Common questions
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Nearby places
- East Thermopolis, WY — population 236
- Kirby, WY — population 76
- Shoshoni, WY — population 495
- Worland, WY — population 4,785
- Pavillion, WY — population 226
- Riverton, WY — population 10,923
- Manderson, WY — population 91
- Basin, WY — population 1,330