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Personal loans in Yoder, WY

In Yoder, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. The Census counts about 132 residents in Yoder, ranking it 87th among the 99 places in Wyoming. Wyoming sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Yoder at a glance

  • Population: roughly 132 people; 87th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 130 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: up about 1.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Wyoming places: 87th out of 99 Census places (US Census Bureau).
  • Size percentile: roughly 12% of places in Wyoming rank below it by population (US Census Bureau).
  • Coordinates: latitude 41.9170, longitude -104.2954 (US Census Bureau Gazetteer).
  • Nearest larger cities: Torrington, WY (12 mi); Lyman, NE (13 mi); Lingle, WY (16 mi); Morrill, NE (19 mi); LaGrange, WY (20 mi); each population is a US Census Bureau estimate.
  • Nearest smaller places: Henry, NE (14 mi); Hartville, WY (36 mi); Melbeta, NE (41 mi) (US Census Bureau estimates).

What a personal loan costs in Yoder

A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

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 Yoder

Each row below is a Wyoming rule with its publisher and the date it was retrieved.

RuleDetailSource
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 statusLegal 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 licensingConsumer 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 regulatorWyoming 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 Yoder

Here is a short checklist for comparing personal loans in Yoder:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Wyoming using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Yoder?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Yoder are the same as elsewhere in Wyoming.
How much can I borrow with a personal loan in Yoder?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Yoder require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Yoder hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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