Personal loans in Wyoming, MN

The roughly 8,116 people who live in Wyoming borrow under Minnesota rules; city hall sets no personal-loan rate. Wyoming is home to roughly 8,116 people and stands 121st by size out of 853 Census places in Minnesota.

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.

Wyoming gained roughly 1.1% in population across the 2020-to-2023 comparison. Consumer lending that reaches Wyoming's 8,116 residents is governed by Minnesota statute; no city ordinance changes it. Price two or three terms so you can see which payment is truly affordable in Wyoming. For a bigger market, look to Forest Lake, MN about 6 miles away.

Borrowing in Wyoming: the local picture

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

Minnesota consumer-lending rules applied in Wyoming

Read the table as a lender's compliance picture for Wyoming: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorMinnesota Department of Commerce (commissioner of commerce)
Source says: ""Commissioner" means the commissioner of commerce"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16
Payday ability-to-repay requirementRequired for payday loans with an APR above 36% (Minn. Stat. § 47.603)
Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent."
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16
Maximum legal interest rate (usury cap)6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01)
Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16

Land, water and location for Wyoming

The Census Gazetteer records 20.7 square miles of land and 1.03 square miles of water within Wyoming. Spread across it are roughly 393 residents per square mile. For the state's biggest city, Minneapolis, the distance is roughly 30 miles. A 50-mile radius around Wyoming takes in 83 places that are larger. Within the same 50 miles lie 114 smaller Census places.

What a Wyoming borrower is actually offered

Most loans made to Wyoming's 8,116 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Wyoming. Because the payment is fixed, the total cost of a Wyoming loan is knowable in advance — unlike a revolving card balance.

What is available to Wyoming borrowers

Wyoming is a lightly settled community of about 8,116 people, with 83 larger places inside a 50-mile radius. What is available to Wyoming's 8,116 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Forest Lake, MN about 6 miles away.

How Wyoming compares across Minnesota

Wyoming is the 121st-largest of 853 Census places in Minnesota and contains about 0.2% of the state's people. Its 2020-to-2023 change ranks 235th of 853 Minnesota places, putting it near the 72th percentile for growth. By density, at about 393 people per square mile, it ranks 547th in Minnesota. Within 50 miles sit 114 smaller Census places, alongside the 83 that are larger.

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 Minnesota.
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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