Thayne at a glance
- Population: 433 — 58th in Wyoming, which has 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 387 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 11.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 58th out of 99 Census places (US Census Bureau).
- Size percentile: roughly 41% of places in Wyoming rank below it by population (US Census Bureau).
- Coordinates: 42.9199 / -110.9953, per the US Census Bureau Gazetteer.
- Nearest larger cities: Star Valley Ranch, WY (4 mi); Afton, WY (14 mi); Alpine, WY (17 mi); Soda Springs, ID (35 mi); Georgetown, ID (36 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Irwin, ID (36 mi); Swan Valley, ID (40 mi); Bancroft, ID (47 mi) (US Census Bureau estimates).
What a personal loan costs in Thayne
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 advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wyoming lending rules that apply in Thayne
The table lists the Wyoming rules that apply to a loan made in Thayne, each with the regulator that published it.
| 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 Thayne
Before you share your details with a lender in Thayne:
- 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.