Frannie at a glance
- Population: 146, the 86th-largest community in Wyoming out of 99 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 139 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 5.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 86th of 99 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 13% of the places in Wyoming (US Census Bureau).
- Coordinates: 44.9710 latitude, -108.6205 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Deaver, WY (6 mi); Cowley, WY (10 mi); Byron, WY (13 mi); Lovell, WY (15 mi); Powell, WY (16 mi); US Census Bureau population estimates.
- Smaller places close by: Bearcreek, MT (29 mi); Manderson, WY (58 mi); Broadview, MT (79 mi) (US Census Bureau).
What a personal loan costs in Frannie
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Frannie
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 |
|---|---|---|
| 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 Frannie
Run through this list before signing anything in Frannie:
- 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.