Payday Loans in Jelm, Wyoming

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

Company nameAddressZip codePhone number
Wyoming Community Bank 1700 N Federal Blvd, Riverton, WY 82501 +1 (307) 857 - 9000
U.S. Bank ATM - Rock Springs 1510 Dewar Dr, Rock Springs, WY 82901 +1 (800) 872 - 2657
Sunlight Federal Credit Union 374 N Clark St, Powell, WY 82435 +1 (307) 754 - 7191
First Federal Bank & Trust Home Loan Center 1043 Coffeen Ave, Sheridan, WY 82801 +1 (307) 675 - 6267
Thrivent Financial 205 Trail Ave, Cody, WY 82414 +1 (307) 587 - 4490
State Bank 30 Shoshone Ave, Green River, WY 82935 +1 (307) 875 - 5070
Fast Cash 112 S 3rd St E, Riverton, WY 82501 +1 (307) 857 - 1100
Thrifty Cash Services and Loans 619 E Lincolnway, Cheyenne, WY 82001 +1 (307) 634 - 2081
U.S. Bank Branch 1132 Beck Ave, Cody, WY 82414 +1 (307) 527 - 9621
Royal Alliance Associates 1438 Sheridan Ave 102, Cody, WY 82414 +1 (307) 587 - 7700

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jelm, WY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Casper, WY, Short-term Loans in Cheyenne, WY, No Credit Check 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 Jelm, WY.

Beautiful sights of Jelm, WY

Are Payday Loans Legal In Jelm, 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)

Jelm, WY payday loan calculator

Understanding Payday Loans in Jelm, Wyoming

Are you looking for quick cash but have a bad credit history or no collateral to put up against a loan? A payday loan may be the answer. Payday loans are short-term loans, usually for small amounts, that are meant to cover temporary financial emergencies. They are legal in Wyoming, including the small town of Jelm.

However, it’s important to understand that Payday loans come with high interest rates and fees, and should only be used as a last resort. In this article, we’ll discuss the basics of payday loans in Jelm, Wyoming, their benefits and drawbacks, and how to apply for one through TheGuaranteedLoans.

The Legality of Payday Loans in Wyoming

In Wyoming, payday loans are legal. The Wyoming Division of Banking regulates and licenses payday lenders. However, there are some limitations on how much you can borrow and how much lenders can charge in fees:

  • Borrowers can only take out one payday loan at a time.
  • The maximum amount you can borrow is $1000 or 25% of your gross monthly income, whichever is less.
  • Lenders can charge up to 20% of the first $300 borrowed, plus an additional 7.5% on the amount between $301 and $500, and an additional 5% on amounts over $500.
  • Lenders cannot charge more than $30 in non-sufficient fund (NSF) fees.

The Benefits and Drawbacks of Payday Loans in Jelm, Wyoming

Like any financial product, payday loans come with their own set of benefits and drawbacks. Here’s a quick overview of both:

Benefits:

  • Easy to qualify for
  • No collateral required
  • Quick access to cash

Drawbacks:

  • High interest rates and fees
  • Short repayment term (usually 2-4 weeks)
  • Can lead to a cycle of debt if not repaid on time

How to Apply for a Payday Loan in Jelm, Wyoming

If you’ve decided that a payday loan is right for you, the next step is to apply for one. You can do this either in person at a payday loan store or online through a lender like TheGuaranteedLoans. Here’s what you’ll need to do:

  • Fill out an application
  • Provide proof of income
  • Provide identification
  • Provide a post-dated check or authorization for electronic withdrawal for the amount of the loan plus fees

Once you’ve provided all the necessary documents, the lender will review your application and let you know if you’re approved. If you are, you’ll receive the loan within a few business days.

Interesting Facts and Statistics about Payday Loans in Jelm, Wyoming

  • In Wyoming, the average payday loan amount is $250.
  • According to a 2018 report by the Wyoming Department of Audit, payday lenders in the state made 44,357 loans, totaling over $11 million in loans.
  • The report also found that the average borrower took out 7 loans per year and paid over $700 in fees and interest.

Apply Now through TheGuaranteedLoans

If you’re considering applying for a payday loan in Jelm, Wyoming, TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender, but a connector service that works with a network of lenders to find the best loan options for your specific needs. Our online application process is fast and easy, and you can get started today!

Remember, payday loans should only be used as a last resort and you should only borrow what you can afford to repay. If you’re struggling with debt, consider reaching out to a credit counselor or financial advisor for help.

F.A.Q.

Can I apply for a payday loan in Jelm, Wyoming if I am on disability or receive government benefits?

Yes, you can apply for a payday loan in Jelm, Wyoming even if you are on disability or receive government benefits. However, you will still need to provide proof of income to the lender in order to qualify for the loan.

Can I apply for a payday loan in Jelm, Wyoming if I am not a resident of the state?

No, in order to apply for a payday loan in Jelm, Wyoming, you must be a resident of the state. Some lenders may also require that you have lived in the state for a certain amount of time before applying for a loan.

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