Lusk at a glance
- Population: a Census-estimated 1,445, placing it 35th among Wyoming's 99 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,539 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 6.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 35th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 65% of places in Wyoming are smaller (US Census Bureau).
- Coordinates: mapped at 42.7613, -104.4584 by the US Census Bureau Gazetteer.
- Nearest larger cities: Douglas, WY (48 mi); Torrington, WY (50 mi); Wheatland, WY (55 mi); Mitchell, NE (66 mi); Hot Springs, SD (68 mi); US Census Bureau population estimates.
- Nearest smaller towns: Manville, WY (8 mi); Van Tassell, WY (20 mi); Lost Springs, WY (24 mi) (US Census Bureau).
What a personal loan costs in Lusk
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wyoming lending rules that apply in Lusk
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 Lusk
Before you share your details with a lender in Lusk:
- 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.