Personal loans in Wyoming, PA

The first question in Wyoming is not the rate on offer but whether the payment fits; about 3,118 people live here under Pennsylvania lending law. Wyoming added about 0.5% to its population between the 2020 base and the 2023 estimate. Wyoming is home to roughly 3,118 people and stands 309th by size out of 1,013 Census places in Pennsylvania. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Wyoming loan. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Wyoming as from the rest of the state. The nearest larger city is Swoyersville, PA about 2 miles away.

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 by the numbers

Wyoming is a small community; the notes below cover its population profile and the statewide rules that apply.

Steps to take before a Wyoming loan

These steps shape the offer you get in Wyoming, a place of about 3,118 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the Pennsylvania regulator's licence list.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

In Wyoming as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 3,118 residents.

Wyoming's place among Pennsylvania's 1,013 places

Within Pennsylvania, Wyoming holds roughly 0.1% of all residents, the 309th-largest share among 1,013 places. For population change between 2020 and 2023, Wyoming ranks 165th of 1,013 in Pennsylvania (about the 84th percentile). At about 2,177 people per square mile, Wyoming is the 463rd most densely settled place in Pennsylvania. In land area, Wyoming ranks 317th among Pennsylvania's 1,013 places.

The state rulebook for Wyoming

When Pennsylvania 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 regulatorPennsylvania Department of Banking and Securities (DoBS)
Source says: "The Department of Banking and Securities regulates financial services in Pennsylvania."
Pennsylvania Department of Banking and Securities
as of 2026-09-16
Maximum legal interest rate (usury cap)6% per annum maximum for loans of $50,000 or less where no lower rate is contracted (41 P.S. 201(a)).
Source says: "the maximum lawful rate of interest for the loan or use of money... shall be six per cent per annum" (Loan Interest and Protection Law, Section 201(a)).
Pennsylvania General Assembly (Laws of Pennsylvania, Act 6 of 1974)
as of 2026-09-16
Payday lending statusNo separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted.
Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023).
Pennsylvania Department of Banking and Securities
as of 2026-09-16

The geography behind Wyoming

The Census Gazetteer records 1.4 square miles of land and 0.13 square miles of water within Wyoming. Spread across it are roughly 2,177 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 97 miles from Wyoming. Within 50 miles of Wyoming there are 56 larger Census places. The 100-mile radius contains 336 larger places.

Lender access in Wyoming

Wyoming is fairly dense, with about 2,177 people per square mile and 56 larger places within 50 miles. Lenders licensed in Pennsylvania reach Wyoming's 3,118 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Swoyersville, PA about 2 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 Pennsylvania.
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.

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