Encampment at a glance
- Population: 450 residents, the 56th-largest of 99 places in Wyoming (US Census Bureau, Vintage 2023).
- 2020 Census base: 452 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.4% lower than the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: 56th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 43% of Wyoming's places have fewer residents (US Census Bureau).
- Coordinates: 41.2088, -106.7948 (US Census Bureau Gazetteer).
- Nearest larger cities: Saratoga, WY (17 mi); Walden, CO (42 mi); Rawlins, WY (46 mi); Hanna, WY (47 mi); Steamboat Springs, CO (51 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Riverside, WY (1 mi); Elk Mountain, WY (39 mi); Dixon, WY (40 mi), per US Census Bureau estimates.
What a personal loan costs in Encampment
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Encampment
Each row below is a Wyoming rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Encampment
Before you share your details with a lender in Encampment:
- 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.