Evanston at a glance
- Population: a Census-estimated 11,807, placing it 7th among Wyoming's 99 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 11,761 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 0.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 7th out of 99 Census places (US Census Bureau).
- Size percentile: it is larger than about 93% of the places in Wyoming (US Census Bureau).
- Coordinates: it sits at 41.2601, -110.9637 in the US Census Bureau Gazetteer.
- Nearest larger cities: North Ogden, UT (52 mi); South Ogden, UT (52 mi); Ogden, UT (52 mi); Farmington, UT (53 mi); Centerville, UT (53 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Bear River, WY (9 mi); Woodruff, UT (21 mi); Randolph, UT (30 mi) (Census populations).
What a personal loan costs in Evanston
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Evanston
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Evanston
These steps are the ones that most affect the offer you receive in Evanston:
- 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.