Byron at a glance
- Population: the Census estimates 574 residents, ranking 50th of 99 places in Wyoming (Vintage 2023).
- 2020 Census base: 559 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.7% since the 2020 count (US Census Bureau).
- Rank among Wyoming places: 50th by size among 99 communities (US Census Bureau).
- Size percentile: it is larger than about 49% of the places in Wyoming (US Census Bureau).
- Coordinates: 44.7967, -108.5085 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Cowley, WY (6 mi); Lovell, WY (6 mi); Powell, WY (12 mi); Greybull, WY (31 mi); Cody, WY (33 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Deaver, WY (8 mi); Frannie, WY (13 mi); Burlington, WY (24 mi), each a US Census place.
What a personal loan costs in Byron
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wyoming lending rules that apply in Byron
The Wyoming rate caps and licensing rules that reach Byron are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Byron
Before you share your details with a lender in Byron:
- 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.