Payday Loans in Recluse, Wyoming

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

Company nameAddressZip codePhone number
Wells Fargo Bank 3500 CY Ave, Casper, WY 82604 +1 (307) 235 - 7875
Western Union 207 S Bypass Rd, Buffalo, WY 82834 +1 (307) 684 - 5246
First Interstate Bank - Richard Uhl 842 W Broadway, Jackson, WY 83001 +1 (307) 734 - 7373
County Title Agency 510 Arapahoe St, Thermopolis, WY 82443 +1 (307) 864 - 2001
Laramie Plains Federal Credit Union 3905 Grand Ave, Laramie, WY 82070 +1 (307) 745 - 5365
First Bank of Wyoming 245 E 1st St, Powell, WY 82435 +1 (307) 754 - 2201
City National Pawn 2424 Dell Range Blvd a, Cheyenne, WY 82009 +1 (307) 638 - 9303
County Title Inc 313 N Broadway Ave, Riverton, WY 82501 +1 (307) 857 - 3723
Hilltop Bank 300 Country Club Rd, Casper, WY 82609 +1 (307) 265 - 2740
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 Recluse, WY, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Casper, WY, Payday Loans in Cheyenne, WY, Payday Loans in Gillette, WY and Short-term 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 Recluse, WY.

Are Payday Loans Legal In Recluse, 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)

Recluse, WY payday loan calculator

Everything You Need to Know About Payday Loans in Recluse, Wyoming

If you live in Recluse, Wyoming, and need funding for a financial emergency, a payday loan may be an option for you. Payday loans are short-term loans that can be used to cover unexpected expenses or cash shortfalls between paychecks. These loans can be a helpful resource when used responsibly. Here’s what you need to know about payday loans in Recluse, Wyoming and how to make the most of them.

What are payday loans?

A payday loan is a type of loan that is typically due on your next payday. In Recluse, Wyoming, they are considered legal, and the state regulates the loan terms and interest rate.

When you take out a payday loan, you are typically required to repay the loan amount plus fees and interest in full by your next payday. In exchange for the loan, you typically provide the lender with a post-dated check or access to your bank account.

How do payday loans work in Wyoming?

Payday loans are legal in Wyoming, and lenders must follow state regulations to operate. This includes a maximum loan amount of $1,000 or 25% of the borrower’s gross monthly income, whichever is less. The maximum loan term is one calendar month, and the maximum annual interest rate is 780%.

Wyoming law also requires payday lenders to be licensed and follow specific procedures for loan transactions and collections.

What are the benefits of payday loans?

Payday loans can be a useful resource when used responsibly. They can provide quick access to cash when you need it and can help you avoid late fees, overdraft fees, or other high-cost forms of credit.

The application process is usually quick and straightforward, with minimal requirements. Typically, all you need is a government-issued ID, proof of income, and a bank account. You can often apply online or in-store and receive a decision within minutes.

What are the risks and drawbacks of payday loans?

While payday loans can be helpful in a pinch, they also come with risks and drawbacks. The most significant risk is the high cost of borrowing. Due to Wyoming’s regulations, payday loans can have an annual percentage rate (APR) of up to 780%, which is much higher than most other forms of credit.

Additionally, if you are unable to repay the loan on your next payday, you may incur additional fees and interest charges or be forced to rollover the loan, which can lead to a cycle of debt and financial hardship.

Interesting Facts and Statistics About Payday Loans in Recluse, Wyoming

  • According to the Wyoming Department of Revenue, there are over 100 licensed payday lenders operating in the state.
  • A study by the Pew Charitable Trusts found that about 69% of borrowers use payday loans to cover recurring expenses, such as rent or utilities, rather than unexpected expenses.
  • The annual percentage rate (APR) of payday loans in Wyoming can be up to 780%, which is one of the highest rates in the country.
  • Between 2011 and 2015, Wyoming residents took out approximately 172,000 payday loans with an average loan amount of $392.

Apply Now

If you are in Recluse, Wyoming, and need a quick and easy loan solution, TheGuaranteedLoans can help. As a connector service, we can help connect you with potential lenders who can provide payday loans that fit your needs.

To get started, fill out our online application, and we will connect you with a lender that best meets your needs. As always, it is essential to use payday loans responsibly, and only borrow what you can afford to repay on your next payday.

Thank you for considering TheGuaranteedLoans for your financial needs. We are committed to providing our customers with the highest level of service and support, and we look forward to working with you. Apply now!

F.A.Q.

How do I apply for a payday loan in Recluse, Wyoming?

To apply for a payday loan in Recluse, Wyoming, you will need to visit a payday lender in person or apply online. You will need to provide proof of income, identification, and a blank check from an active checking account.

How do I repay a payday loan in Recluse, Wyoming?

Payday loans in Recluse, Wyoming are typically repaid in full on the borrower's next payday, along with the interest and fees charged by the lender. Borrowers can either repay the loan in person at the lender's location or authorize the lender to withdraw the funds directly from their checking account.

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