Payday Loans in Dayton, Wyoming

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

Company nameAddressZip codePhone number
U.S. Bank Branch 1437 Prairie Ave, Cheyenne, WY 82009 +1 (307) 772 - 4060
D.A. Davidson & Co. 2 N Main St 102, Sheridan, WY 82801 +1 (307) 674 - 6288
MoneyGram 233 Front St c, Evanston, WY 82930 +1 (307) 783 - 4670
Ace Payday Loans 1590 Sugarland Dr, Sheridan, WY 82801 +1 (307) 675 - 1810
Financial Services 205 Longs Peak Dr, Cheyenne, WY 82009 +1 (307) 426 - 4024
MoneyGram 1955 Coffeen Ave, Sheridan, WY 82801 +1 (307) 672 - 2620
First Interstate Wealth Management - Kyle Geffre 842 W Broadway, Jackson, WY 83001
CIT-CO Federal Credit Union 502 N Main St, Sheridan, WY 82801 +1 (307) 674 - 7449
Big Horn Federal Savings Bank 1701 Stampede Ave, Cody, WY 82414 +1 (307) 587 - 5521
First Interstate Bank - Catherine Culver 4 S Main St, Sheridan, WY 82801 +1 (307) 674 - 7411

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dayton, WY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Casper, WY, Bad Credit Loans in Cheyenne, WY, Payday Loans in Gillette, WY and Payday Loan Without a Credit Check 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 Dayton, WY.

Beautiful sights of Dayton, WY

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

82836

Are Payday Loans Legal In Dayton, 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)

Dayton, WY payday loan calculator

Payday Loans in Dayton, Wyoming: Understanding Your Options

Payday loans can be a valuable tool in your financial toolbox when used responsibly. These short-term loans offer quick cash when you need it most and can help cover unexpected expenses like car repairs or medical bills. If you live in Dayton, Wyoming, you’re in luck – payday loans are legal in the state and many lenders operate locally. However, it’s important to understand how these loans work and how to use them wisely.

What Are Payday Loans?

Payday loans are short-term, high-interest loans typically due on your next payday. To get a payday loan, you’ll need to provide proof of income and a valid ID. Some lenders may also require a post-dated check for the loan amount plus fees.

When you apply for a payday loan, the lender will typically approve or deny your application within minutes. If approved, you’ll receive the cash you need and will be required to repay the loan, plus fees, on your next payday. Payday loans are often used for unexpected expenses or emergencies, but can also be used for recurring bills like rent or utilities.

How Do Payday Loans Work in Dayton, Wyoming?

In Dayton, Wyoming, payday loans are legal and regulated by the Wyoming Division of Banking. This means that lenders in the state are required to follow specific rules and regulations when offering payday loans, including:

  • Loan amounts cannot exceed $50,000 or 25% of the borrower’s gross monthly income, whichever is less
  • Loan terms cannot exceed 1 month
  • Lenders must disclose all fees and charges upfront
  • Lenders must provide borrowers with a written agreement outlining the terms of the loan

Additionally, the state of Wyoming does not allow rollovers or extensions on payday loans. This means that you cannot take out another payday loan to cover the balance of an existing loan. However, you can take out additional loans from different lenders as long as you do not exceed the maximum loan amount allowed by state law.

Understanding the Costs of Payday Loans

Payday loans are known for their high interest rates and fees, and Dayton, Wyoming is no exception. Lenders in the state typically charge $15 for every $100 borrowed, which equates to an annual percentage rate (APR) of 391%. This means that if you borrow $500, you’ll owe $575 on your next payday.

It’s important to carefully consider the costs of a payday loan before applying. If you’re unable to repay the loan on your next payday, you may be subject to additional fees and charges or could even face legal action from the lender.

Applying for a Payday Loan in Dayton, Wyoming

If you’re considering a payday loan in Dayton, Wyoming, it’s important to do your research and compare lenders. Look for lenders who are transparent about their fees and charges and who have positive customer reviews. You may also want to check with the Better Business Bureau to see if any complaints have been filed against the lender.

When you’re ready to apply, you can do so online or in person at a local storefront. The application process usually only takes a few minutes, and you’ll typically receive a decision within minutes. If approved, you can typically receive cash on the same day.

Interesting Facts About Payday Loans in Dayton, Wyoming

  • In 2019, the total amount of payday loans issued in Wyoming was over $45 million.
  • According to a 2018 study by the Pew Charitable Trusts, the average payday loan borrower takes out 8 loans per year and spends $520 in fees alone.
  • In Wyoming, there are 45 licensed payday lenders operating in the state.

Apply Now for a Payday Loan in Dayton, Wyoming

If you need quick cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders in Dayton, Wyoming. Our online application process is easy and secure, and you can receive a decision within minutes. Remember, TheGuaranteedLoans is a connector service and not a direct lender. By filling out an application through our website, we can help facilitate your connection with potential lenders who may be able to provide you with the funds you need.

Let TheGuaranteedLoans help you find the payday loan that works best for your needs in Dayton, Wyoming. Apply now and get the cash you need to get back on track.

F.A.Q.

Is it possible to consolidate multiple payday loans into one loan?

Yes, some lenders may offer consolidation services for payday loans. This can help borrowers to simplify their monthly payments and potentially reduce their overall interest costs. It is important to carefully consider the terms of any consolidation loan before agreeing to it.

Can I be sued for defaulting on a payday loan in Dayton, Wyoming?

Yes, if you default on a payday loan in Dayton, Wyoming, your lender may choose to sue you to recover the outstanding balance. This could result in a judgment against you, which could lead to garnishment of your wages or seizure of your assets.

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