Fort Laramie at a glance
- Population: 215 (US Census Bureau, Vintage 2023 subcounty estimate), the 78th-largest of 99 places in Wyoming.
- 2020 Census base: 207 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 3.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 78th out of 99 Census places (US Census Bureau).
- Size percentile: ahead of around 21% of Wyoming places in population terms (US Census Bureau).
- Coordinates: 42.2131 / -104.5174, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lingle, WY (10 mi); Guernsey, WY (12 mi); Torrington, WY (20 mi); Wheatland, WY (25 mi); Lyman, NE (32 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Hartville, WY (13 mi); Yoder, WY (23 mi); Henry, NE (28 mi), per US Census Bureau estimates.
What a personal loan costs in Fort Laramie
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wyoming lending rules that apply in Fort Laramie
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Fort Laramie
Here is a short checklist for comparing personal loans in Fort Laramie:
- 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.