Payday Loans in Granger, Wyoming

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

Company nameAddressZip codePhone number
United States Postal Service 105 E Merriam St, Fort Laramie, WY 82212 +1 (800) 275 - 8777
Check Into Cash 2900 Grand Ave Unit 2, Laramie, WY 82070 +1 (307) 742 - 1300
Cash Cow 611 E Washington Ave, Riverton, WY 82501 +1 (307) 463 - 4046
Berryman Accounting 1835 Madora Ave, Douglas, WY 82633 +1 (307) 358 - 4104
Bank of the West 440 Budd Ave, Big Piney, WY 83113 +1 (307) 276 - 3961
D.A. Davidson & Co. 2 N Main St 102, Sheridan, WY 82801 +1 (307) 674 - 6288
Big Horn Federal Savings Bank 1701 Stampede Ave, Cody, WY 82414 +1 (307) 587 - 5521
First Interstate Bank 401 W 19th St, Cheyenne, WY 82001 +1 (307) 633 - 8400
First Interstate Bank - Jacob Anfinson 221 E Ivinson Ave, Laramie, WY 82070 +1 (307) 721 - 4600
Cherry Creek Mortgage Co Inc 1043 13th St, Cody, WY 82414 +1 (307) 587 - 8990

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Granger, 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 Companies in Cheyenne, WY, Payday Loans in Gillette, WY and 24-Hour Loan 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 Granger, WY.

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

82934

Are Payday Loans Legal In Granger, 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)

Granger, WY payday loan calculator

Payday Loans in Granger, Wyoming – What You Need to Know

For residents of Granger, Wyoming, payday loans may offer a convenient solution to short-term financial needs. Payday loans are a form of credit that allows borrowers to receive a cash advance against their next paycheck. These loans are typically easy to obtain, with few requirements and little paperwork. But like any form of credit, they come with risks and costs that every borrower should be aware of.

The Basics of Payday Loans in Granger, Wyoming

In Wyoming, payday loans are legal and regulated by state law. Borrowers can take out a loan of up to $1000, with a maximum loan term of 30 days. Lenders are allowed to charge a maximum annual interest rate of 780%, which can add up quickly if the loan is not repaid on time. The state also has a database to track payday loans, which helps to prevent borrowers from taking out multiple loans at the same time.

Who Qualifies for a Payday Loan in Granger, Wyoming?

Most lenders in Wyoming have minimum requirements for borrowers to qualify for a payday loan. These requirements typically include:

  • A valid ID proving the borrower is at least 18 years old
  • Proof of recurring income, such as a paycheck, disability benefits, or other regular payments
  • An active checking account where the loan can be deposited and payments can be withdrawn

Some lenders may also require a minimum credit score or other forms of collateral, such as a car title. It’s important to check with each lender to understand their specific requirements before applying for a loan.

Benefits and Risks of Payday Loans in Granger, Wyoming

While payday loans can be a fast and convenient way to access extra cash for short-term needs, they come with several risks and drawbacks that every borrower should consider.

One major risk is the high cost of borrowing. Due to the high annual interest rates allowed in Wyoming, borrowers can quickly find themselves in a cycle of debt if they are unable to repay the loan on time. Borrowers should always read the loan agreement carefully and understand the total cost of the loan, including any fees or interest charges.

Another risk is the potential for predatory lending practices. While most lenders in Wyoming are reputable and regulated by state law, there are some that may charge excessive fees or use aggressive collection tactics. Borrowers should research any lender they’re considering and read online reviews from other borrowers before applying for a loan.

Despite these risks, payday loans can still be a viable option for certain borrowers. They offer a quick and easy way to access cash without the need for collateral or a high credit score. Borrowers who are confident they can repay the loan on time and have exhausted other options may find that a payday loan is their best bet.

Interesting Facts and Statistics about Payday Loans in Wyoming

  • The average payday loan in Wyoming is $370, with an average repayment term of 18 days.
  • In 2019, Wyoming borrowers took out over 166,000 payday loans, for a total amount borrowed of $52 million.
  • Wyoming has the highest allowed annual interest rate for payday loans of any state.

Applying for a Payday Loan Online with TheGuaranteedLoans

If you’re considering a payday loan in Granger, Wyoming, you can apply online with TheGuaranteedLoans. We’re a trusted connector service that can help you find a lender who meets your needs. Our application process is simple and secure, and we work with a wide network of lenders who offer competitive rates and flexible repayment terms.

Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender. We do not make lending decisions or determine the terms of your loan. Instead, we connect you with lenders who may be able to provide the funds you need. It’s always important to read the terms of your loan carefully and ensure you understand the costs and risks before accepting an offer.

Conclusion

Payday loans can be a valuable resource for Granger, Wyoming residents who need extra cash for unexpected expenses or emergencies. However, it’s important to understand the risks and costs involved, and to only borrow what you can repay on time. By using TheGuaranteedLoans to connect with lenders, borrowers can access a wide range of options and find the loan that works best for them.

F.A.Q.

What happens if I am unable to repay my payday loan in Granger, Wyoming?

If a borrower is unable to repay their payday loan in Granger, Wyoming, the lender may pursue legal action to recover the funds, including filing a civil lawsuit and obtaining a court judgment. The borrower may also be responsible for additional fees and costs associated with the legal action.

Is there a maximum number of payday loans I can have at one time in Granger, Wyoming?

Yes, Wyoming law limits borrowers to having no more than two outstanding payday loans at any given time.

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