Wamsutter at a glance
- Population: about 197, 79th by size in Wyoming of 99 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 203 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 3.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wyoming places: 79th largest of 99 (US Census Bureau).
- Size percentile: it is larger than about 20% of the places in Wyoming (US Census Bureau).
- Coordinates: mapped at 41.6680, -107.9791 by the US Census Bureau Gazetteer.
- Nearest larger cities: Rawlins, WY (40 mi); Sinclair, WY (45 mi); Baggs, WY (47 mi); Saratoga, WY (62 mi); Rock Springs, WY (64 mi); US Census Bureau population estimates.
- Nearest smaller towns: Bairoil, WY (45 mi); Dixon, WY (49 mi); Superior, WY (51 mi) — US Census Bureau populations.
What a personal loan costs in Wamsutter
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wyoming lending rules that apply in Wamsutter
The table lists the Wyoming rules that apply to a loan made in Wamsutter, each with the regulator that published it.
| 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 Wamsutter
Here is a short checklist for comparing personal loans in Wamsutter:
- 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.