Clearmont at a glance
- Population: 123 — 88th in Wyoming, which has 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 115 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 7.0% since the 2020 count (US Census Bureau).
- Rank among Wyoming places: 88th in population of 99 places (US Census Bureau).
- Size percentile: it is larger than about 11% of the places in Wyoming (US Census Bureau).
- Coordinates: 44.6399 / -106.3813, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Buffalo, WY (27 mi); Sheridan, WY (31 mi); Ranchester, WY (43 mi); Dayton, WY (46 mi); Gillette, WY (50 mi) (US Census Bureau populations).
- Nearest smaller towns: Manderson, WY (82 mi); Kirby, WY (106 mi) (US Census Bureau).
What a personal loan costs in Clearmont
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wyoming lending rules that apply in Clearmont
The sourced rows below are the rules a licensed lender must follow when lending in Wyoming, and therefore in Clearmont.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Clearmont
These steps are the ones that most affect the offer you receive in Clearmont:
- 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.