Casper at a glance
- Population: 58,720 people, the 2nd-largest place among Wyoming's 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 59,096 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 0.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 2nd of the state's 99 Census places (US Census Bureau).
- Size percentile: larger than about 98% of the Census places in Wyoming (US Census Bureau).
- Coordinates: 42.8421, -106.3213 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: none within 120 miles of Casper.
- Nearest smaller towns: Mills, WY (4 mi); Evansville, WY (4 mi); Bar Nunn, WY (6 mi) — US Census Bureau populations.
What a personal loan costs in Casper
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Casper
Each row below is a Wyoming rule with its publisher and the date it was retrieved.
| 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 Casper
The order below is a sensible way to approach a loan in Casper:
- 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.