Personal loans in Wyoming, IL

Wyoming ranks 588th of 1,294 places in Illinois, with a population near 1,258. The roughly 1,258 people who live in Wyoming borrow under Illinois rules; city hall sets no personal-loan rate.

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.

A 2020-to-2023 comparison shows Wyoming down by about 3.3%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Wyoming loan. Consumer lending that reaches Wyoming's 1,258 residents is governed by Illinois statute; no city ordinance changes it. The next larger city is Princeville, IL about 9 miles away.

Local context for Wyoming

Two layers matter for a Wyoming borrower: the local population picture and Illinois's consumer-lending statutes.

What a Wyoming borrower is actually offered

Wyoming is a small community of about 1,258 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Wyoming loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Wyoming loan is knowable in advance — unlike a revolving card balance.

Illinois rules behind a Wyoming personal loan

When Illinois does not publish a figure, the row links to the source instead of inventing a number; Wyoming is bound by the same rules.

RuleDetailSource
State lending regulatorIllinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions
Source says: "DFI licenses, charters, and examines a wide variety of financial products and services including: Consumer and Sales Finance and Collection Agencies".
Illinois Department of Financial and Professional Regulation
as of 2026-09-16
Installment lender net-worth requirement$30,000 minimum positive net worth (plus $25,000 surety bond)
Source says: "every applicant shall prove ... that the applicant has and will maintain a positive net worth of a minimum of $30,000".
Illinois General Assembly (Illinois Compiled Statutes)
as of 2026-09-16
Maximum legal interest rate (usury cap)9% annual percentage rate (general written-contract interest cap)
Source says: "it shall be lawful for the parties to stipulate or agree that an annual percentage rate of 9%, or any less sum".
Illinois General Assembly (Illinois Compiled Statutes)
as of 2026-09-16

Land, water and location for Wyoming

Wyoming covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,258 residents, the land area yields roughly 1,473 people per square mile. For the state's biggest city, Chicago, the distance is roughly 121 miles. A 50-mile radius around Wyoming takes in 65 places that are larger. The 100-mile radius contains 238 larger places.

Where Wyoming sits in Illinois

Against Illinois's other places, Wyoming accounts for about 0.0% of the state's population and ranks 588th of 1,294 by size. For population change between 2020 and 2023, Wyoming ranks 986th of 1,294 in Illinois (about the 24th percentile). At about 1,473 people per square mile, Wyoming is the 393rd most densely settled place in Illinois. Between 2020 and 2023 the count changed by roughly 43 residents.

How lenders reach Wyoming

Wyoming is moderately settled, with about 1,473 people per square mile and 65 larger places within 50 miles. Whether Wyoming has a local branch or not, a Illinois-licensed lender can serve its 1,258 people online on the same terms. The nearest larger city, Princeville, IL about 9 miles away.

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

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