Lyman at a glance
- Population: the Census estimates 2,189 residents, ranking 29th of 99 places in Wyoming (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 2,136 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 2.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 29th of the state's 99 Census places (US Census Bureau).
- Size percentile: roughly 71% of places in Wyoming rank below it by population (US Census Bureau).
- Coordinates: 41.3275 latitude, -110.2974 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Kemmerer, WY (34 mi); Evanston, WY (35 mi); Green River, WY (45 mi); Rock Springs, WY (59 mi); Vernal, UT (72 mi) (US Census Bureau).
- Smaller places nearby: Mountain View, WY (4 mi); Granger, WY (25 mi); Opal, WY (30 mi), per US Census Bureau estimates.
What a personal loan costs in Lyman
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Lyman
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Lyman
Before you share your details with a lender in Lyman:
- 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.