Payday Loans in Linch, Wyoming

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

Company nameAddressZip codePhone number
Zions Bank Jackson 25 S Willow St 201, Jackson, WY 83001 +1 (307) 200 - 3266
First Interstate Bank 401 W 19th St, Cheyenne, WY 82001 +1 (307) 633 - 8400
Capital City Lending 100 S Greeley Hwy, Cheyenne, WY 82007 +1 (307) 635 - 3775
Advance America 570 N 3rd St b, Laramie, WY 82072 +1 (307) 745 - 6730
Pinnacle Bank 1501 S Greeley Hwy, Cheyenne, WY 82003 +1 (307) 637 - 3552
Scott Brastrup - Thrivent Financial 856 Coffeen Ave 105, Sheridan, WY 82801 +1 (307) 763 - 4949
Wells Fargo Bank 3500 CY Ave, Casper, WY 82604 +1 (307) 235 - 7875
Walmart Money Center 201 Gateway Blvd, Rock Springs, WY 82901 +1 (307) 362 - 1957
Koerwitz Michel Wright & Associates 630 Broadway St, Thermopolis, WY 82443 +1 (307) 864 - 3173
Raymond James Financial Services 200 16th St, Wheatland, WY 82201 +1 (307) 322 - 9215

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Linch, 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 Loans 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 Linch, WY.

Are Payday Loans Legal In Linch, 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)

Linch, WY payday loan calculator

Introduction

If you’re in need of quick cash in Linch, Wyoming, payday loans may seem like an attractive option. These short-term loans can help cover unexpected expenses such as medical bills, car repairs, or overdue bills when you’re strapped for cash. In this comprehensive guide, we’ll take a closer look at payday loans in Linch, Wyoming, and what you need to know before taking one out.

What Are Payday Loans?

Payday loans are short-term loans that typically range from $100 to $1000. They are designed to be quick and easy to access, often with no credit check required. The loan is secured against your next paycheck, and repayment is due on your next payday.

Payday loans are designed to help people who need cash quickly and can’t access traditional bank loans. They usually have high interest rates and fees, and if you can’t repay the loan on time, it can quickly spiral into a cycle of debt.

Payday Loans in Linch, Wyoming

Payday loans are legal in Wyoming, and Linch residents have access to payday loan services. However, there are some regulations in place to protect borrowers from falling into debt traps.

Loan Amount and Repayment

In Wyoming, payday loan amounts cannot exceed $1000 or 25% of your gross monthly income, whichever is less. Repayment terms must be between 14 and 30 days, and lenders cannot charge more than 20% of the loan amount in fees.

Cooling-Off Period

Wyoming law requires a cooling-off period of one day after the repayment of a payday loan. During this time, lenders cannot issue a new loan to the borrower.

Debt Collection Practices

Lenders in Wyoming are required to follow the federal Fair Debt Collection Practices Act, which prohibits abusive and harassing collection practices. If you feel that a lender is violating your rights, you can file a complaint with the Wyoming Division of Banking.

Pros and Cons of Payday Loans

Before taking out a payday loan, it’s important to weigh the pros and cons to decide if it’s the right choice for you.

Pros

  • Quick and easy access to cash.
  • No credit check required.
  • Can help in emergencies.

Cons

  • High interest rates and fees.
  • Can lead to a cycle of debt.
  • May not be a long-term solution for financial problems.

Interesting Facts and Statistics

  • According to a study by the Wyoming Division of Banking, the average payday loan amount in Wyoming was $308, with an average fee of $45.
  • Wyoming has one of the highest payday loan usage rates in the country, with 20% of adults using payday loans in the past five years.
  • The total amount of payday loans issued in Wyoming in 2019 was $261 million.

Apply Now

If you’re in need of a payday loan in Linch, Wyoming, TheGuaranteedLoans can help you find a lender. We are a connector service, not a direct lender, and we work with a network of trusted lenders to help you find the best loan for your needs. To apply, simply fill out our online application and we’ll connect you with lenders who can offer you a loan. It’s quick, easy, and free to apply.

Remember, payday loans should only be used for emergencies and short-term cash needs. If you’re struggling with long-term debt, it’s important to seek help from a financial professional.

F.A.Q.

Are there any protections for borrowers in Linch, Wyoming when it comes to payday loans?

Yes, Wyoming law provides certain protections for payday loan borrowers, including a requirement for lenders to provide written disclosures of loan terms and fees, a ban on debt collection practices that are unfair or deceptive, and a requirement for lenders to provide a three-day right of rescission for borrowers to cancel the loan.

Can I be charged with criminal charges if I default on my payday loan in Linch, Wyoming?

No, Wyoming law does not allow for criminal charges to be filed against borrowers who default on their payday loans. However, as mentioned above, the lender may pursue legal action to recover the funds through civil means.

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