Moorcroft at a glance
- Population: the Census estimates 1,001 residents, ranking 43rd of 99 places in Wyoming (Vintage 2023).
- 2020 Census base: 948 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 5.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 43rd-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 57% of Wyoming's places have fewer residents (US Census Bureau).
- Coordinates: 44.2645 latitude, -104.9476 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Gillette, WY (27 mi); Sundance, WY (30 mi); Wright, WY (45 mi); Newcastle, WY (47 mi); Spearfish, SD (58 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Pine Haven, WY (9 mi); Upton, WY (19 mi); Hulett, WY (34 mi) (US Census Bureau).
What a personal loan costs in Moorcroft
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wyoming lending rules that apply in Moorcroft
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Moorcroft.
| 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 Moorcroft
Here is a short checklist for comparing personal loans in Moorcroft:
- 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.