Albin at a glance
- Population: a Census-estimated 160, placing it 83rd among Wyoming's 99 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 169 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 5.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 83rd out of 99 Census places (US Census Bureau).
- Size percentile: larger than about 16% of the Census places in Wyoming (US Census Bureau).
- Coordinates: it sits at 41.4169, -104.1015 in the US Census Bureau Gazetteer.
- Nearest larger cities: LaGrange, WY (16 mi); Pine Bluffs, WY (16 mi); Burns, WY (21 mi); Kimball, NE (27 mi); Dix, NE (34 mi); US Census Bureau population estimates.
- Nearest smaller towns: Bushnell, NE (17 mi); Yoder, WY (36 mi); Grover, CO (38 mi) (US Census Bureau).
What a personal loan costs in Albin
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wyoming lending rules that apply in Albin
The Wyoming rate caps and licensing rules that reach Albin are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Payday lending status | Legal with a post-dated check casher license; finance charge capped at the greater of $30 or 20% per month; max term 1 month (Wyo. Stat. § 40-14-363) Source says: No post-dated check finance charge shall exceed the greater of thirty dollars ($30.00) or twenty percent (20%) per month on the principal balance | Wyoming Legislature (Wyoming Statutes) 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 |
| 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 |
How to compare offers in Albin
Here is a short checklist for comparing personal loans in Albin:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wyoming using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.