Wyoming payday loans
Wyoming payday loans

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

The 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 can be found in 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. Direct lenders don’t charge NSF or other fees.

Table of Contents

What is a Cash Loan in Wyoming?

Let’s find out what payday loans are and why they work well. You can discover many definitions of this word. In short, it is an amount of money given by a lender over a period of time until he gets the next salary. You can borrow between $30 and $2,500. It all depends on the state you live in. All states have different legitimate loan claims.

In fact, if you need thousands of dollars or a million, these types of loans will not work for you. The main objective of microfinance companies is to solve urgent tasks that require small amounts. You can choose between two ways to obtain funds: online or through lenders. Read and learn important information on how to get Wyoming same-day payday loans online.

1F Cash Advance has quickly gained popularity among network users thanks to its simplicity, reliability, and speed. This type of fundraising is a useful alternative to bank loans. However, it also acquires its own nuances and properties. The main advantage of borrowing online is its convenience and simplicity since you do not have to keep visiting a financial institution. Also, it may be in vain if the bank is not satisfied with the creditworthiness of the borrower.

Wyoming Payday Lending History

2005HB 303 would have granted authorized check tellers an exemption from the collection of collection costs, legal or judicial, in addition to the usual financing costs. HB 303 died in committee.

2006 – The Military Loan Act effectively limited payday loans offered to the military at 36% APR. There are no exceptions to this federal law, so no Wyoming lender can offer loans to the military with an annual interest rate of more than 36%.

June 2014Wyoming Uniform Consumer Credit Code (UCCC) (adopted by Wyoming among 9 other states in 1960-70s) was revised. The current regulations have been in force since then.

June 2, 2016 – The Consumer Financial Protection Bureau (CFPB) has proposed a payday loan rule that is not yet fully in effect (expected November 2020).

Why Getting Quick Payday Loans in WY

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

fast payday loans WYThe bank has rejected your application. No one is protected from that. But you have a problem when you go to the bank. Obtaining a loan takes almost a month. In some cases, financial institutions may not approve your application due to lack of income or unemployment, inconsistencies in the applicant’s record, age, and other mandatory requirements. What if you need money right now? It is better to apply for payday loans online in WY and fix any problems easily and quickly.

You need to have your credit covered and you are tired of the constant calls from the loan company. In fact, it is very likely the main reason for asking for extra money. Stop being afraid of collectors. Receive a cash advance and forget about the jump.

In a perfect world, pay for all the necessities of life with a credit card as if it were unlimited. Unfortunately, the painful reality is that your account often runs out of funds. Many Americans live on credit to meet their expenses. Life is very expensive and sometimes you need additional financing to meet daily expenses. It may feel like there is no way out, but it is. The WY cash advance companies warmly welcome you and are ready to help you with any financial matter.

Are you embarrassed to take cash out of your family members? Sometimes people don’t want to ask the family to get out of debt. If you feel that you are including family members in your problems, the cash advance loan is a good option.

You have found yourself in an awkward position because urgent debt recovery is imperative. If you don’t, your debt will increase or you will face penalties. 1F Cash Advance cannot allow you to lose your budget. We will help you anyway. Remember that small debt can be a big problem, so it is best to cover them immediately.

Payday Loans in WY – Working Process

We are committed to providing all clients with the best possible solutions to meet their financial needs and ease their concerns. Our network of lenders offers fast approvals and a variety of terms to choose from to ensure your needs are met without further debt. Our service is always free and without obligation for you.

Here is how do online payday loans work in Wyoming:

  • Start your online application now or apply in the store.
  • Get approved within minutes.
  • Receive money the same day or the next business day.

Fees & Charges of Payday Cash Advances in Wyoming

Take a look at the list of possible fees you will incur when lending in WY.

Minimum Term. The time frame for obtaining payday loans online in Wyoming is extremely short. We offer a streamlined application review process that does not include a credit check, confirmation of fixed income, and no formal employment.

Financial commissions. Lenders are not entitled to allocate more than one dollar for every five dollars borrowed if the loan is less than $30.

Acquisition costs. 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.

Maximum APR. If you borrow $100 in fifteen days, the highest annual percentage could be 309%.

Maximum amount. There is no specific amount of money that you can borrow. However, these are typically small loans of up to $2,500. 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
$300 $60 243.33% $360
$400 $80 243.33% $480
$500 $100 243.33% $600
$600 $120 243.33% $720
$700 $140 243.33% $840
$800 $160 243.33% $960
$900 $180 243.33% $1,080
$1,000 $200 243.33% $1,200

Lending Penalties in Wyoming

Wyoming direct lenders for payday loans Payday lenders in Wyoming cannot refinance loans for those who cannot pay by the due date. However, borrowers on a tight budget 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.

If you are still unable to repay the loan, the lender may charge collection fees. There is no limit to the amount you can be billed and you may have to deal with pesky debt collection agencies if the account is sold to a debt collection agency.

Available Loan Alternatives in WY

Our loan partners offer borrowers many more options. One of the most popular alternatives is installment loans. This financial product is available to all consumers who need more than $1,000. You can borrow up to $5,000 with a minimum term of 2 months and a maximum term of 24 months. The main benefit is that you can repay it with monthly payments that are part of a flexible payment schedule.

People tend to use installment cash advances to pay for major expenses like home renovations, vacations, extensive car repairs, etc. Looking for more cash to cover your unexpected bills? Use upfront payments and make it happen before your next payday. Save your budget with flexible payments and reasonable rates.

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. Lending money to someone under this age is illegal in the United States. So if you are over 18, you are now completing the first requirement.
  • Must be a legal resident of Wyoming. To obtain a Wyoming payday loan, you will need to confirm your legal status by providing your contact address. After that, the success of the loan is almost guaranteed.
  • Bad credit is not a problem, but you still need a stable source of income and earn at least $1,000 a month. Therefore, we can be sure that you can handle the refund.
  • To get instant approval, you will need a valid phone number and email. If you do not provide us with this information, we will not be able to contact you.
  • Finally, you must not be a bankruptcy debtor.

All we need from you is some personal information like your social security number, your name and address, and the desired loan amount. After providing us with the necessary details, once we have approved the information, we will contact you to confirm all the terms of the contract.

A small cash advance can be a useful and convenient asset in dealing with emergency situations. But remember, this type of loan cannot cure serious financial problems. Borrowing too many loans from a few companies at the same time is not the best decision, as you risk putting your financial stability at risk.

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, it is important to think carefully about how much you will need before you start.
  • 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 the personal quote for your loan in Wyoming.

Payday Loans in Wyoming Online - No Hard Credit Checks Performed

Online payday loans no credit check Banks and lenders will review your credit history to determine your creditworthiness and ability to repay potential loans. In this way, they can assess the risk of lending. People with lower credit scores generally get higher interest rate loans because they are viewed by lenders as a potential risk. Many people with a credit score below 580 have trouble getting a loan, and every time they apply and a credit report is denied, their credit score is further affected. But even if you have bad credit, you can still apply for a bad credit loan. Unlike traditional physical checks, today many lenders perform “soft checks” that do not affect your creditworthiness.

If you apply for a loan without a credit check, your application will be evaluated based on your employment, current loans, and other credit information to provide a picture of your financial situation without putting your creditworthiness to a difficult test.

No credit check loans have a simple application process and are generally very quick to approve, giving you quick access to a loan without worrying about your creditworthiness.

There are generally no prepayment penalties and paying your installments on time will help improve your credit score by reporting your payment activity to the major credit bureaus. That way, you can improve your credit score and increase your chances of getting an even better deal the next time you get a loan.

Five Benefits of Choosing US for Your Payday Loan in WY

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

Quick and Convenient Forms. The main problem for large lenders is the time they often waste applying for a loan. But when every minute counts, the last thing you want to do is complete a long, untraceable loan. Thanks to our simple forms, you can apply in just two minutes.

Quick approval decision. When you work with 1FirstCashAdvance.org, 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 matter what city you live in, as soon as you register with us, we will use your bank account details to speed up the process. Once the loan agreement has been signed and the transaction has started, you can expect the money to be sent to you within 24 hours. Unfortunately, no lender can provide you with funds the same day you apply.

Onthego application. No more questions like “Where can I find the best lender near me?” You can apply for our Wyoming payday loans online right from home, at work, at a restaurant, or even in traffic. All you need is a smartphone or a computer with Internet access. If the request you submitted is approved, we will transfer the funds to your bank account.

Transparent agreements. Transparency of all deals and transactions is our strength and you can be sure that every percent you repay is calculated fairly. With our lowest rates, you will be more than satisfied with our work.

No credit check. If you’re on a budget to stock up at a grocery store, or you were in a car accident that left you with a huge repair bill, just fill out a quick form at 1F Cash Advance and let us handle your money problem for you. No useless questions, no credit check.

Bad Credit Payday Cash Loans – Available for Wyoming Residents

Wyoming same day loans If you found this page, you are probably looking for Wyoming cash loans with bad credit. Then you have come to the right place because we have everything you need for a fast, legal, and secure payday loan for people with low credit scores. And all this online!

We know what it feels like to be rejected by major banks and lenders, but we’re here to tell you that that doesn’t mean you can’t borrow money. It simply means that you need to be more selective about the lenders you use.

This is where we come in. 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!

Tips to Obtain Fast Payday Cash Loans in WY

  • Apply in the morning during the business days for the best chance of seeing the money in your account the next morning.
  • Be prepared to verify your income and personal information with digital copies of bank statements so you can easily upload them to your application with the lender.
  • Forget about repayment dates, as payments are automatically debited from your bank account.
  • If you have particularly bad credit, apply for a small loan that you can easily pay off and this will begin by restoring your score. Whenever you are able to borrow larger amounts, new loan products will soon be available to you.

Wyoming Cities to Get Online Cash Advances Till Payday

1F Cash Advance wants to help consumers all around Wyoming State discover the best financial solutions. That is why we provide online payday loans in the following cities:

Cheyenne Casper Laramie
Gillette Rock Springs Sheridan
Evanston Green River Jackson
Riverton Cody Rawlins
Lander Torrington Douglas
Ranchettes Powell Worland
Buffalo Fox Farm-College South Greeley
Mills Newcastle Wheatland
Evansville Bar Nunn Kemmerer
Glenrock Thermopolis North Rock Springs

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.

Apply Now

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.

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 $250, $300, $500, $550, $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, no checking account is required. Get your money in minutes.

1F Cash Advance Payday Loans Store Location in Wyoming

Branch name: 1F Cash Advance Wyoming

Address: 1763 Dell Range Blvd, Cheyenne, WY 82009

Phone: (888) 847-2909

Email: [email protected]

Branch Manager: Stuart Gordon

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed


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Find a Payday Loan Store Near Me

Receive a personalized approach at one of our in-store locations. Not in Wyoming? No problem. Visit our offices in Montana, Idaho, Utah, Colorado, Nebraska, South Dakota, North Dakota. We offer you the best service, regardless of location.

Feel free to request any necessary information on payday loans both in Wyoming and in other states. Our account manager will help you find the best solution to your financial problems. Apply for a Wyoming payday loan at a local store today and start paying your incidentals.

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.

Do you work with professional and licensed direct loan providers?

We work only with a network of trustful and licensed direct lenders that operate according to the lending laws of Wyoming. Feel free to ask for all the needed information about our lending partners.

Can I borrow no phone calls 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!

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

If you apply before noon, you might get directly deposited your money 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!

What are the other states in which you provide online payday loans?

We provide online loans in the following states: Utah, Idaho, Nevada, Montana, South Dakota, Nebraska, Colorado.