Personal loans in Yoder, WY
From the 2020 Census base to the 2023 estimate, the population rose by about 1.5%. For a borrower among the roughly 132 residents of Yoder, a personal loan is a tool whose cost turns on the terms, not the address.
At about 132 residents, Yoder is larger than roughly 12% of the places in Wyoming. The closest larger city is Torrington, WY about 12 miles away. For the 132 people in Yoder, Wyoming runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Yoder.
What the Census records for Yoder
Only a few things actually differ by place — population, area, location, and the Wyoming rules a lender must follow — and they are below.
- Population: an estimated 132 residents, 87th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 1.5% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 2 more since the 2020 base.
- Size percentile: about 12% of Wyoming communities are smaller than Yoder (132 residents).
- Population density: about 620 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Yoder covers 0.2 square miles, the 91st-largest area among Wyoming's 99 places.
- State share: roughly 0.0% of Wyoming's residents live in Yoder (132 people).
- Nationally: Yoder is the 17,575th-largest of 19,457 Census places in the dataset.
- Growth in Wyoming: Yoder stands 38th by percentage change from 2020 to 2023, among 99 places.
- Versus Wyoming: the state average change is +1.7%, while Yoder moved 1.5%.
- Density rank: Yoder is the 53rd most densely settled place in Wyoming.
- Against the state median: Yoder runs about 620 residents per square mile, where the Wyoming median is 699.
- Location: latitude 41.9170, longitude -104.2954 (Census Gazetteer).
- Nearest larger cities: Torrington (12 mi); Lyman (13 mi); Lingle (16 mi); Morrill (19 mi); LaGrange (20 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Henry (14 mi); Hartville (36 mi); Melbeta (41 mi).
- Smaller places within 50 miles: 4 of them.
- At 100 miles: 46 larger Census places fall inside that radius.
A pre-application checklist for Yoder
These steps shape the offer you get in Yoder, a place of about 132 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Wyoming regulator's records to confirm the lender is licensed here.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
None of these steps is Yoder-specific: the same Wyoming licensing and disclosure rules reach all 132 residents.
How personal loans work in Yoder
With roughly 132 residents, Yoder is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Yoder lender to disclose the APR and finance charge before you sign. The term you choose in Yoder decides the split between a comfortable payment and the total interest you pay.
Yoder's place among Wyoming's 99 places
Set beside Wyoming's 99 places, Yoder ranks 87th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 38th of 99 Wyoming places, putting it near the 62th percentile for growth. Its roughly 620 residents per square mile place it 53rd among Wyoming's places. In land area, Yoder ranks 91st among Wyoming's 99 places.
Lender access in Yoder
At roughly 620 people per square mile, Yoder is moderately settled; 15 larger places lie within 50 miles. Distance to a branch rarely matters for Yoder's 132 residents: the application is online and the price follows your credit file. The nearest bigger place is Torrington, WY about 12 miles away.
Wyoming consumer-lending rules applied in Yoder
For the roughly 132 residents of Yoder, the rules below are Wyoming's own; each row carries its publisher and retrieval date.
| 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 |
Common questions
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Nearby places
- Torrington, WY — population 6,212
- Lingle, WY — population 398
- Lyman, NE — population 254
- Henry, NE — population 129
- LaGrange, WY — population 378
- Fort Laramie, WY — population 215
- Morrill, NE — population 925
- Mitchell, NE — population 1,527