Pine Haven at a glance
- Population: 543 people, the 51st-largest place among Wyoming's 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 494 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 9.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Wyoming places: the 51st-largest of 99 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 48% of Wyoming places in population terms (US Census Bureau).
- Coordinates: 44.3534 latitude, -104.8105 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Moorcroft, WY (9 mi); Upton, WY (19 mi); Sundance, WY (22 mi); Gillette, WY (34 mi); Newcastle, WY (46 mi) (US Census Bureau).
- Smaller places nearby: Hulett, WY (25 mi); Central City, SD (51 mi); Fruitdale, SD (59 mi), per US Census Bureau estimates.
What a personal loan costs in Pine Haven
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 is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wyoming lending rules that apply in Pine Haven
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Pine Haven.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pine Haven
Before you commit to a personal loan in Pine Haven, 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.