Payday Loans in Wyoming
Payday Loans in Wyoming

Online Payday Loans in Wyoming

  • No additional Fees
  • Low FICO score OK
  • No hard Credit Checks
  • Reliable Direct Lenders
  • Payday Loans Near Me
  • No High APRs

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Regulations & General Figures of Wyoming Payday Loans

Short-term payday loans aren’t restricted in Wyoming. But according to Wy. Stat. 40-14-362 et seq1, there are some regulations on the terms and rates. The repayment period is 31 days. The maximum APR is 780%. If you need higher amounts, apply for installment loans of $1,000 – $5,000 or personal loans of $5,000 – $35,000.

Also, there are no rollovers or renewals. Once a year, you can get a repayment plan of at least four installments for free. Wyoming direct lenders don’t charge NSF or other fees.

What is a Payday Loan in Wyoming?

In short, a payday loan is an amount of money given by a lender over a period of time until the borrower gets the next salary. There are no minimum or maximum loan amounts you can borrow. It all depends on the lender you apply for. However, there are small sums you can access.

In fact, if you need thousands of dollars, payday loans will not work for you. The main objective of microfinance companies is to solve urgent tasks that require small amounts.

Why You Could Need Quick Payday Loans in WY

It goes without saying that there are several reasons why you may request additional funds. If you’re struggling with your budget, the best online payday loans in Wyoming are available just in case:

  • The bank has rejected your application. It takes several days to get a loan from banks. It is better to apply for payday loans online in WY and fix any problems easily and quickly.
  • If your credit card runs out of money, the WY cash advance companies warmly welcome you and are ready to help you with any financial matter.
  • Sometimes people don’t want to ask their family to get out of debt. If you feel you are including family members in your problems, the cash advance loan is a good option.

Available Loan Alternatives in WY

Don’t want to borrow payday loans? Try an installment loan that allows you to get up to $5,000 with a minimum term of 2 months and a maximum of 24 months. It is repaid with monthly payments that are part of a flexible payment schedule. Also, you can use your credit card to cover unexpected financial needs.

What You Need to Apply for Wyoming Payday Loans Online

Applying for a quick loan in Wyoming is easy with 1F Cash Advance, but you must know certain conditions that are required for this procedure.

  • You must be at least 18 years of age or older.
  • Must be a legal resident of Wyoming.
  • Need a stable source of income and earn at least $1,000 a month.
  • A valid phone number and email.
  • Must not be a bankruptcy debtor.

Application Steps to Follow

Do you know you need to get a loan but are not sure if it is likely to be accepted, how much you need, or what is the best option for you? Look no further.

  • Know Your Credit Score

    Before you start applying for a loan, it's good to know what your credit score is.

  • Decide How Much to Borrow

    There are several different reasons why you might want to borrow. Therefore, thinking carefully about how much you will need before you start is important.

  • Get a Picture of Your Monthly Payments

    Before applying, it's important to know how much you can repay your loan on a monthly basis.

  • Complete Application

    Are you satisfied with steps 1 through 4 and ready to apply? We have you covered. Fill in the loan application form and send it to us. We will give you a personal quote for your loan in Wyoming.

Why Use 1F Cash Advance for Payday Loans in Wyoming?

Here are the benefits you get when you choose 1F Cash Advance:

Onthego application. You can apply for our Wyoming payday loans online right from home, at work, at a restaurant, or even in traffic with your smartphone or a computer with Internet access.

Quick and Convenient Forms. Thanks to our simple request forms, you can apply in just two minutes because it doesn’t have many questions to answer.

Quick approval decision. When you work with us, you can always be sure that we will deposit the money into your bank account within one business day, thanks to our near-instant approval.

No credit check. Our lending partners perform no hard credit checks through major credit bureaus. They do it through alternative companies whose verifications won’t affect your credit score.

Payday Loans Near Me in WY

If you Google “payday loan near me,” stop your search because you’ve come to the right place. 1F Cash Advance is here to find hundreds of lenders in your area who offer payday loans at reasonable interest rates in your state. Feel free to browse our website for more information on Wyoming payday loans.

1607 Central Ave, Cheyenne, WY 82001
[email protected]

Cash advance WY
Payday loans WY
1F Cash Advance payday loans WY

Receive a personalized approach at one of our in-store locations. Not in Wyoming? No problem. Visit our offices and get a payday loan in Mississippi, Maryland, Oregon, Delaware, South Carolina, Alabama, Indiana, Louisiana, and New Mexico.

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We understand loans can be complicated, and there is a lot of information to digest! However, if you have the right knowledge and understanding, you can be sure that you will find the right loan for yourself.

Don’t be intimidated when applying for a payday loan in Wyoming. Remember, you are clear about what you can pay, research the risks, understand the contractual clauses, and agree on payment terms that match your income.

Get a payday loan quickly in Wyoming

In-Store Payday Loans Wyoming – Offline Alternative

Do you have unexpected expenses? Obtain a payday loan from our Wyoming office. Bad credit is okay. Our team will provide you with more information about the high-risk loans that we offer to our clients. Receive a transparent offer with clearly formulated conditions. Plus, our branch manager makes sure you have all the information you need to make an informed decision.

Cash Advance Services Available

Payday Loans in WY

Our most popular products are payday loans of up to $1,000 that eligible borrowers can apply for. Customers have the option to choose from flexible amounts. Apply for a loan of $200, $300, $500, $700, $900, or $1,000 online or in-store. State restrictions may apply to maximum amounts. Loan terms of up to one month allow clients to pay off their debts quickly.

Installment Loans in WY

1F Cash Advance offers installment loans that you can pay off in fixed monthly installments. This is an ideal solution for those who need more time. Amounts of up to $5,000 are available for clients looking for a quick loan. With installment loans, a bad credit rating is not a problem. You will receive a near-instant credit decision and advice throughout the entire process, whether you apply via smartphone or in person at one of our offices. These basic requirements make installment loans easy and affordable for all Wyoming residents.

Check Cashing in WY

Most of our retail stores offer a check cashing service. It is a convenient option for customers who need cash on the go. There are no long lines at the bank, and no checking account is required. Get your money in minutes.

Rates and Fees of Payday Cash Advances in Wyoming

Wyoming lenders are not entitled to allocate more than one dollar for every five dollars borrowed if the loan is less than $30. Also, it is important to remember that if you have a loan of $30 to $100, you will receive a legal acquisition fee of one-tenth of the amount owed.

Plus, if you borrow $100 in fifteen days, the highest annual percentage could be 309%. There is no specific amount of money that you can borrow. However, you may get a payday loan of up to $500. But remember, there is an amount of money you can take that you can cover.

Example of Loan

With a 14 days loan term, the APR will be 460%. If the loan cost is $17.64, the total return will be $117.64. APR сalculation: $17.64 / 14 days = 1.26 * 365 days = 460%. See below the other examples of payday loans in Wyoming:

Wyoming Payday Loan – for a 30-day loan term
Loan Amount Finance Charge APR Total Return
$100 $30 365% $130
$200 $40 243.33% $240
$500 $100 243.33% $600

Frequently Asked Questions

Is your company licensed by the Wyoming lending regulations?

1F Cash Advance only cooperates with authorized lenders who have a license to operate in the state of Wyoming. Every single company is manually verified to ensure your safety.

What are the lending penalties in Wyoming?

Payday lenders in Wyoming cannot refinance loans for those who cannot pay by the due date, but they can request a repayment plan once a year. The remaining amount is divided into 4 equal installments, and the duration must be at least 60 days.

Can I borrow no phone call loans in Wyoming?

Sure! There are no phone calls for online payday loans in Wyoming. Our lenders won’t bother you with calls or other confirming actions. You’ll be contacted only through a confirming email notification. That’s all!

Are there no hard credit checks for payday loans in Wyoming online?

Yes, many direct lenders perform only soft credit checks while lending payday loans in Wyoming. These soft credit pulls won’t affect your credit score in any way because they do it through alternative credit companies.

Are bad credit payday cash loans available for Wyoming residents?

Yes, there are a lot of direct lenders available in Wyoming ready to work with bad credit borrowers. We’ve assembled a network of over 100 Wyoming direct lenders offering bad credit loans, and our simple online web form could connect you to any of them in minutes.

How can I get emergency cash payday loans today in WY?

If you apply before noon, you might get your money directly deposited by the end of the same day. Just fill in the application form as soon as possible.

Can I apply for tribal payday loans in Wyoming?

If you are a true American Citizen, feel free to apply for a tribal loan in WY. Just prove that you are a Native American with your ID, and that’s it!

Latoria Williams

Written by: Latoria Williams

Updated: May 2, 2024