Personal loans in Wyoming, NY

Population in Wyoming dropped about 1.8% over the three years from 2020 to 2023. Wyoming counts about 378 people, and what is genuinely local about borrowing here is limited — New York law does the governing. At about 378 residents, Wyoming is larger than roughly 7% of the places in New York. The next larger city is Warsaw, NY about 6 miles away. Consumer lending that reaches Wyoming's 378 residents is governed by New York statute; no city ordinance changes it. Verify the lender's New York licence against the regulator named below before borrowing in Wyoming.

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.

Local context for Wyoming

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

Where Wyoming sits in New York

Wyoming is the 555th-largest of 595 Census places in New York and contains about 0.0% of the state's people. For population change between 2020 and 2023, Wyoming ranks 374th of 595 in New York (about the 37th percentile). Its roughly 544 residents per square mile place it 521st among New York's places. In land area, Wyoming ranks 483rd among New York's 595 places.

Lender access in Wyoming

At roughly 544 people per square mile, Wyoming is moderately settled; 85 larger places lie within 50 miles. Whether Wyoming has a local branch or not, a New York-licensed lender can serve its 378 people online on the same terms. The nearest bigger place is Warsaw, NY about 6 miles away.

The state rulebook for 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 regulatorNew York State Department of Financial Services (DFS)
Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York"
New York State Department of Financial Services
as of 2026-09-16
Small-loan / installment lender licensingLicensed Lender license required (Banking Law Article 9, sections 340-361); administered via NMLS
Source says: "The Department of Financial Services uses the Nationwide Multistate Licensing System and Registry (NMLS) to manage the Licensed Lender License."
New York State Department of Financial Services
as of 2026-09-16
Criminal usury in the second degree (Penal Law 190.40)Interest rate exceeding 25% per annum; class E felony
Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period"
New York State Senate (Open Legislation)
as of 2026-09-16

What shapes a Wyoming personal loan

In Wyoming, a small community of about 378, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Wyoming's 378 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Wyoming loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Wyoming: area, density and distance

Wyoming's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 544 residents per square mile. The state's population centre of gravity, New York, is roughly 261 miles away. Wyoming has 85 larger places within a 50-mile radius. The 100-mile radius contains 205 larger places.

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 New York.
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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