Rawlins at a glance
- Population: about 8,032 residents, ranking 12th of 99 Census places in Wyoming (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 8,239 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wyoming places: 12th by size among 99 communities (US Census Bureau).
- Size percentile: larger than about 88% of the Census places in Wyoming (US Census Bureau).
- Coordinates: 41.7851 latitude, -107.2247 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Casper, WY (86 mi); Craig, CO (89 mi); Laramie, WY (90 mi); Steamboat Springs, CO (93 mi); Rock Springs, WY (104 mi); US Census Bureau population estimates.
- Smaller places nearby: Sinclair, WY (5 mi); Saratoga, WY (31 mi); Hanna, WY (35 mi), per US Census Bureau estimates.
What a personal loan costs in Rawlins
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wyoming lending rules that apply in Rawlins
The sourced rows below are the rules a licensed lender must follow when lending in Wyoming, and therefore in Rawlins.
| 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 Rawlins
These steps are the ones that most affect the offer you receive in Rawlins:
- 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.