Hudson at a glance
- Population: 435 (US Census Bureau, Vintage 2023 subcounty estimate), the 57th-largest of 99 places in Wyoming.
- 2020 Census base: 432 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: the 57th-largest of 99 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 42% of Wyoming's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.9027, -108.5820.
- Nearest larger cities: Lander, WY (9 mi); Riverton, WY (13 mi); Shoshoni, WY (33 mi); Thermopolis, WY (55 mi); Pinedale, WY (65 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Pavillion, WY (24 mi); East Thermopolis, WY (55 mi); Kirby, WY (65 mi) — US Census Bureau populations.
What a personal loan costs in Hudson
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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 Hudson
Read the table as the compliance picture for a lender serving Hudson: label, sourced figure, publisher and date.
| 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 Hudson
These steps are the ones that most affect the offer you receive in Hudson:
- 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.