Lander at a glance
- Population: about 7,615, 13th by size in Wyoming of 99 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 7,544 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 0.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: 13th in population of 99 places (US Census Bureau).
- Size percentile: larger than about 87% of the Census places in Wyoming (US Census Bureau).
- Coordinates: 42.8310 latitude, -108.7306 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Riverton, WY (22 mi); Rock Springs, WY (89 mi); Green River, WY (99 mi); Rawlins, WY (106 mi); Jackson, WY (112 mi) (US Census Bureau).
- Nearest smaller towns: Hudson, WY (9 mi); Pavillion, WY (29 mi); Shoshoni, WY (42 mi) (US Census Bureau).
What a personal loan costs in Lander
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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 Lander
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Lander.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lander
Before you commit to a personal loan in Lander, work through these steps:
- 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.