Payday Loans in Carpenter, Wyoming

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No payday loan companies in Carpenter, WY. Consider companies in other cities:

Company nameAddressZip codePhone number
ACPE Federal Credit Union 2835 Grand Ave, Laramie, WY 82070 +1 (307) 745 - 4726
Money Lenders 4025 CY Ave, Casper, WY 82604 +1 (307) 234 - 0667
Jackson Hole Title & Escrow Co 270 W Pearl Ave Ste. 104, Jackson, WY 83001 +1 (307) 733 - 3153
EZ Cash 801 E 4th St STE 13, Gillette, WY 82716 +1 (307) 686 - 1762
Wyoming Pawn & Rental 120 7th St, Mountain View, WY 82939 +1 (307) 782 - 7296
Money Now 1728 E 2nd St, Casper, WY 82601 +1 (307) 265 - 2658
Bay Equity Home Loans - Gillette 39 Town Center Dr 110, Gillette, WY 82718 +1 (307) 682 - 1807
U.S. Bank Branch 435 W 1st St, Casper, WY 82601 +1 (307) 995 - 2180
Central Bank & Trust 14615 US-287, Fort Washakie, WY 82514 +1 (307) 332 - 5978
Westbrook's Pawn Shop 809 S 3rd St, Laramie, WY 82070 +1 (307) 745 - 5815

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Carpenter, WY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Casper, WY, Payday Loan Without a Credit Check in Cheyenne, WY, Payday Loans in Gillette, WY and Payday Loans in Laramie, WY. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Carpenter, WY.

Beautiful sights of Carpenter, WY

Payday Loans Available in Carpenter, WY By The Following ZIP Codes:

82054

Are Payday Loans Legal In Carpenter, Wyoming?

Loan Rates and Fees, Laws and Regulations in Wyoming.

Wyoming Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)261
Maximum Loan AmountNo limit
Minimum Loan TermNot Specified
Maximum Loan TermOne calendar month
Number of Rollovers Allowed0
Finance Charges$30 (or 20% per month)

Carpenter, WY payday loan calculator

Understanding Payday Loans in Carpenter, Wyoming

If you live in Carpenter or anywhere else in Wyoming, you may have experienced a financial emergency that requires urgent attention. Often, these emergencies require immediate cash, and traditional financial institutions may not be an option given their formalities and lengthy processing times.

In a situation like this, payday loans can be an ideal solution. It’s essential to understand what payday loans are and how they work before deciding whether to apply for them. We’ll dive into the details of payday loans in Carpenter, Wyoming, and provide some useful tips and information to help you make an informed decision.

What are Payday Loans?

Payday loans are short-term, high-interest loans designed for borrowers who need immediate cash to cover unexpected expenses. These loans typically have a repayment term of two weeks to a month and are secured against the borrower’s next paycheck.

Payday loans are often referred to as cash advances, payroll advances, or paycheck loans. They are most commonly used to bridge gaps between paychecks or pay for unexpected expenses like medical bills or car repairs.

What Makes Payday Loans Different from Traditional Loans?

The most noticeable difference between payday loans and traditional loans is their repayment period. Payday loans typically have a much shorter repayment period, ranging from two weeks to a month, while traditional loans may have repayment terms ranging from months to years.

Payday loans are also unsecured, meaning that there’s no collateral required to secure the loan. Instead, the lender relies on the borrower’s promise to repay the loan with their next paycheck.

Payday Loan Regulations in Carpenter, Wyoming

Payday loans are legal in Wyoming and are regulated by the Wyoming Division of Banking. The laws governing payday loans in Carpenter are designed to protect borrowers from lenders who may take advantage of their financial situation.

In Carpenter, Wyoming, borrowers can receive up to $1000 in payday loans. However, the total amount borrowed cannot exceed 25% of the borrower’s gross monthly income.

Additionally, the interest rate for payday loans in Wyoming cannot exceed 20% of the first $300 borrowed and an additional 7.5% for each additional $100. Lenders are also required to provide borrowers with a written agreement outlining the loan terms, including the loan amount, repayment period, and fees.

Applying for Payday Loans in Carpenter, Wyoming

If you’ve decided that a payday loan is necessary, you can apply for one either in-person or online. Many lenders allow borrowers to apply for loans online, making the process faster and more convenient.

Before applying for a payday loan, it’s important to gather all the necessary documents and information, including proof of income and identification. This will make the application process smoother and increase your chances of being approved.

Why Choose TheGuaranteedLoans

TheGuaranteedLoans is a connection service that helps connect borrowers with potential lenders. If you need a payday loan in Carpenter, Wyoming, our website can help you find a lender that fits your needs.

At TheGuaranteedLoans, we understand that when you need a payday loan, you need it fast. That’s why we aim to match you with a lender as quickly as possible. Our application process is simple, and you can apply from the comfort of your own home. All you need to do is complete our online application form to be connected with potential lenders.

Interesting Facts and Statistics about Payday Loans in Carpenter, Wyoming

  • In 2019, there were over 33,000 payday loans in Wyoming. The total amount borrowed was over $16 million.
  • The average payday loan amount in Wyoming is $485.
  • Wyoming has the highest average payday loan interest rates in the United States, at 652.32% APR.

Conclusion

Payday loans can be a helpful tool to cover unexpected expenses or bridge the gap between paychecks. However, they should be used with caution, as they can be expensive and often come with high interest rates.

If you’re considering a payday loan in Carpenter, Wyoming, it’s important to understand the laws and regulations governing payday loans, as well as the potential costs involved. By working with a trusted connection service like TheGuaranteedLoans, you can find a lender that meets your needs and help alleviate your financial worries.

Apply Now

If you need a payday loan in Carpenter, Wyoming, TheGuaranteedLoans is here to help. Our simple application process makes it easy to apply for a loan, and we strive to connect you with a lender as quickly as possible.

Keep in mind that TheGuaranteedLoans is not a direct lender. We are a connection service that works with a network of trusted lenders to help you find the loan that meets your needs.

To get started, simply fill out our online application form and provide us with some basic information. We’ll take care of the rest and connect you with potential lenders who are eager to help.

F.A.Q.

Are payday loans legal in Carpenter, Wyoming?

Yes, payday loans are legal in Carpenter, Wyoming as long as the lender is licensed and adheres to the state's regulations on loan fees and terms.

What are the maximum loan amounts and fees for payday loans in Carpenter, Wyoming?

The maximum loan amount for payday loans in Carpenter, Wyoming is $500, and the maximum loan fees are $30 for every $100 borrowed.

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