Payday Loans in Sinclair, Wyoming

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

Company nameAddressZip codePhone number
Rucki & Marshall: Newbrough Jamie CPA 109 S Main St, Sheridan, WY 82801 +1 (307) 674 - 6609
Advance America 2340 CY Ave, Casper, WY 82604 +1 (307) 265 - 6818
Farm Credit Services of America 1401 Wilkins Cir, Casper, WY 82601 +1 (307) 577 - 4700
Raymond James Financial Services 200 16th St, Wheatland, WY 82201 +1 (307) 322 - 9215
Check Into Cash 3520 E 2nd St #6, Casper, WY 82609 +1 (307) 237 - 1141
Wells Fargo Bank 116 S Main St, Thayne, WY 83127 +1 (307) 883 - 3464
Wells Fargo Bank 125 W Flaming Gorge Way, Green River, WY 82935 +1 (307) 872 - 4080
Crazy Woman Creek Bancorp Inc 106 Fort St, Buffalo, WY 82834 +1 (307) 684 - 5591
WyHy Federal Credit Union 1521 Centennial Ct, Casper, WY 82609 +1 (307) 234 - 2373
Advance Cash Services 408 W 17th St, Cheyenne, WY 82001 +1 (307) 634 - 4432

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Sinclair, WY

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

82354, 82334

Are Payday Loans Legal In Sinclair, 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)

Sinclair, WY payday loan calculator

Payday Loans in Sinclair, Wyoming: Your Comprehensive Guide

When faced with a financial emergency, it’s not always easy to find a quick source of cash. This is where payday loans can come in handy. In Sinclair, Wyoming, payday loans are legal and can be a reliable solution for short-term financial needs. In this article, we’ll provide you with everything you need to know about payday loans in Sinclair, Wyoming.

What are Payday Loans?

Payday loans are a type of short-term loan that is often used to cover emergency expenses. They are typically small, ranging from $100 to $1,000, and are intended to be repaid within a few weeks. The repayment is usually due on the borrower’s next payday, which is where the name “payday loan” comes from.

Payday loans do not require collateral and are usually granted based on the borrower’s income and credit history. As a result, they are often easier to obtain than traditional loans from banks or credit unions.

How do Payday Loans Work in Sinclair, Wyoming?

In Sinclair, Wyoming, payday loans are legal under Wyoming Statutes 40-14-362 et seq. and are regulated by the Wyoming Division of Banking.

To obtain a payday loan in Sinclair, Wyoming, you must be at least 18 years old and have a valid government-issued ID, proof of income, and an active checking account. The lender will also require you to provide a postdated check or authorization to debit your checking account for the amount borrowed plus fees and interest.

The fees and interest rates for payday loans in Sinclair, Wyoming are regulated by the state and are as follows:

  • A maximum of 20% of the loan amount in fees
  • An interest rate of up to 3% per month

For example, if you borrow $500 for two weeks, the maximum fee you can be charged is $100 and the maximum interest rate is 3% per month, which results in a total payment of $590.

The Pros and Cons of Payday Loans in Sinclair, Wyoming

Like any type of loan, payday loans in Sinclair, Wyoming have advantages and disadvantages.

Pros:

  • Easy and fast to obtain
  • No credit check required
  • Can be used for emergency expenses

Cons:

  • High fees and interest rates
  • Can lead to a debt cycle
  • Can negatively impact your credit score if not repaid on time

Interesting Facts and Statistics about Payday Loans in Sinclair, Wyoming

  • In 2019, the average payday loan amount in Wyoming was $408.
  • The average APR for payday loans in Wyoming is 652%.
  • In 2019, there were 450,412 payday loans issued in Wyoming, totaling $157,960,957 in loan volume.

Applying for a Payday Loan on TheGuaranteedLoans Website

If you’re considering a payday loan in Sinclair, Wyoming, TheGuaranteedLoans website can help you find a lender that fits your needs. As a connector service, we connect borrowers with potential lenders that offer payday loans. Our application process is quick and easy – simply fill out the online application form and we’ll match you with a lender that best suits your needs and financial situation.

It’s important to note that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. Instead, we facilitate the connection between borrowers and potential lenders. We also strongly encourage borrowers to repay their loans on time and in full to avoid the high fees and interest rates associated with payday loans.

In Conclusion

While payday loans in Sinclair, Wyoming can be a helpful solution for short-term financial needs, they should be used with caution. It’s important to carefully consider the fees and interest rates associated with payday loans and only borrow what you can afford to repay. If you do decide to apply for a payday loan, TheGuaranteedLoans website can help you find a lender that meets your needs and requirements.

F.A.Q.

Can I be charged with fraud for taking out a payday loan in Sinclair, Wyoming?

No, taking out a payday loan is not considered fraud in Sinclair, Wyoming. However, borrowers may be charged with fraud if they provide false information on their loan application or if they intentionally deceive their lender.

Can I be charged with interest on a payday loan in Sinclair, Wyoming if I am in the military?

No, the federal Military Lending Act prohibits lenders from charging interest on payday loans to active-duty military members and their dependents. This means that military borrowers in Sinclair, Wyoming are protected from high-interest payday loans.

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