Jackson at a glance
- Population: 10,639 residents, the 10th-largest of 99 places in Wyoming (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 10,758 residents here (US Census Bureau).
- 2020 to 2023 change: down roughly 1.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 10th of 99 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 90% of Wyoming's Census places by population (US Census Bureau).
- Coordinates: 43.4719, -110.7753 (US Census Bureau Gazetteer).
- Nearest larger cities: Rexburg, ID (56 mi); Ammon, ID (59 mi); Idaho Falls, ID (63 mi); Blackfoot, ID (81 mi); Chubbuck, ID (93 mi), each a US Census place with its estimated population.
- Smaller places nearby: Victor, ID (19 mi); Driggs, ID (24 mi); Alpine, WY (25 mi), per US Census Bureau estimates.
What a personal loan costs in Jackson
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Jackson
The table lists the Wyoming rules that apply to a loan made in Jackson, each with the regulator that published it.
| 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 Jackson
The order below is a sensible way to approach a loan in Jackson:
- 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.