Payday Loans in Cheyenne, Wyoming

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Payday Loan Companies in Cheyenne, WY

Company nameAddressZip codePhone number
Advance America 3709 E. Lincoln Way, Ste. E8 82001 +1 (307) 632 - 0389
Advance America 800 S Greeley Hwy b 82007 +1 (307) 638 - 0600
Advance Cash Services 408 W 17th St 82001 +1 (307) 634 - 4432
ANB Bank 3355 E Pershing Blvd 82001 +1 (307) 778 - 5238
ATM U.S. Bank Cheyenne Downtown 2020 Carey Ave 82001 +1 (800) 872 - 2657
Bank of the West 1515 Dell Range Blvd 82009 +1 (307) 634 - 5831
Banking Division 2300 Capitol Ave 2nd floor 82002 +1 (307) 777 - 7797
BFSB Mortgage 7350 Stockman St B 82009 +1 (307) 638 - 8223
Blue Federal Credit Union - Blue Diamond Center 2300 Chestnut Dr Suite 100 82001 +1 (307) 829 - 7615
Blue Federal Credit Union - Dell Range 3810 Dell Range Blvd 82009 +1 (307) 432 - 5855
Blue Federal Credit Union - Safeway 700 S Greeley Hwy 82007 +1 (307) 432 - 5870
Blue Federal Credit Union - Yellowstone 6523 Yellowstone Rd 82009 +1 (307) 432 - 5840
Brian Eilers - Raymond James 5920 Yellowstone Rd 82009 +1 (307) 635 - 6644
BY APPOINTMENT- 5 LOANS- MOTORCYCLE PAWN & AUTO PAWN 1740 Dell Range Blvd 274 82009 +1 (303) 325 - 3076
Capital City Lending 100 S Greeley Hwy 82007 +1 (307) 635 - 3775
Cash Express 1106 Logan Ave 82001 +1 (307) 778 - 6175
Check Into Cash 303 Cole Shopping Center 82001 +1 (307) 778 - 9919
Check Into Cash 1637 Stillwater Ave STE E 82009 +1 (307) 778 - 9919
Check Rite 722 E Lincolnway 82001
City National Pawn 2424 Dell Range Blvd a 82009 +1 (307) 638 - 9303
Fairway Independent Mortgage Corporation 1607 Capitol Ave Suite 426 & 427 82001 +1 (307) 631 - 1448
Financial Services 205 Longs Peak Dr 82009 +1 (307) 426 - 4024
First Interstate Bank 401 W 19th St 82001 +1 (307) 633 - 8400
Firstier Bank 1508 Stillwater Ave B 82009 +1 (307) 632 - 3500
Kustom Illusions LLC 909 E Fox Farm Rd 1 82007 +1 (307) 634 - 3477
Lincolnway Pawn 2825 E Lincolnway 82001 +1 (307) 632 - 3820
Loan Stop 218 S Greeley Hwy 82007 +1 (307) 772 - 0020
Loan Stop 914 E Lincolnway B 82001 +1 (303) 225 - 0184
Marv's Place Pawn Shop 223 W Lincolnway 82001 +1 (307) 632 - 7887
Pawn Sharks 1907 E Lincolnway 82001 +1 (307) 631 - 7391
Pinnacle Bank 1501 S Greeley Hwy 82003 +1 (307) 637 - 3552
Pinnacle Bank 3518 Dell Range Blvd 82009 +1 (307) 637 - 7244
Pinnacle Bank 1501 S Greeley Hwy 82007 +1 (307) 637 - 3552
Platte Valley Bank 421 Vandehei Ave 82009 +1 (307) 778 - 0021
Primerica Financial Services 2319 Pioneer Ave 82001 +1 (307) 421 - 6801
Quik Check Financial 507 E Pershing Blvd 82001 +1 (307) 635 - 3200
Raymond James Financial Services 4012 Laramie St 82001 +1 (307) 514 - 6600
Rocky Mountain Pawn 1221 E Pershing Blvd 82001 +1 (307) 432 - 9111
Security First Bank 500 W 18th St 82001 +1 (307) 775 - 6500
Shyann Federal Credit Union 308 W 21st St 114 82001 +1 (307) 632 - 1226
The 30 Day Lending, LLC 109 E 17th St #5066 82001 +1 (307) 996 - 1802
Thrifty Cash Services 619 E Lincolnway 82001 +1 (307) 634 - 2081
Thrifty Cash Services and Loans 619 E Lincolnway 82001 +1 (307) 634 - 2081
U.S. Bank ATM - Cheyenne Frontier 1437 Prairie Ave 82009 +1 (800) 872 - 2657
U.S. Bank Branch 1437 Prairie Ave 82009 +1 (307) 772 - 4060
Wells Fargo Advisors 1904 Warren Ave 82001 +1 (307) 635 - 2451
Wells Fargo Bank 1701 Capitol Ave 82001 +1 (307) 634 - 3314
Western Vista Credit Union 1215 Storey Blvd 82009 +1 (307) 634 - 2197
Western Vista Federal CU 3207 Sparks Rd 82001 +1 (307) 634 - 2197
WyHy Federal Credit Union 1715 Stillwater Ave 82009 +1 (307) 638 - 4200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cheyenne, 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 Loan for Gillette, WY and Emergency 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 Cheyenne, WY.

Beautiful sights of Cheyenne, WY

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

82009, 82006, 82008, 82002, 82001, 82003, 82010, 82007

Are Payday Loans Legal In Cheyenne, 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)

Cheyenne, WY payday loan calculator

Payday loans are the solution for the person struggling to make their wages meet their expenses. Payday loans have been around for some time, and they were originally a great way to control short-term cash flow problems.

This type of loan is an excellent alternative for those with damaged credit scores or no credit scores. If a borrower can find a lender willing to work with them, they can get the cash they need for whatever reason.

Any person can apply for a payday loan; student loans, car loans, personal loans, overdraft protection, or even home improvement loans are all acceptable reasons to take one out. If approved for a loan, you will have the cash available in your bank account within 24 hours. The application process is simple and quick, and if you cannot meet the initial application criteria, you can often apply again at a later date when things are easier.

The requirements for obtaining a payday loan:

  • An applicant must be at least 18 years of age (unless they’re emancipated).-They must either have a checking account with the bank where they’d receive their funds or show the bank an ability to open one.
  • They must show verification of a US Citizenship.
  • They must have resided in the country for at least two years before applying for the loan, and they must comply with the laws set forth by their state.
  • Most loans require a document validating identity (such as a driver’s license).
  • As a last resort, an applicant can provide an emergency deposit of $500. This deposit is converted into cash at the rate of 10% interest.
  • The fee for obtaining this loan ranges from $25 to $250, depending on the state and bank regulations.

Payday loans are short-term borrowing options intended to tide over borrowers until their next paycheck arrives.

The payday loan, or payday advance loan, is one of the fastest-growing segments of the short-term lending industry. It has been criticized as problematic because of its high fees and rates, poor credit assessment standards, and potential for trapping borrowers in a cycle of debt.

Nevertheless, it remains popular with Cheyenne, Wyoming, residents because it can help them bridge periods between paychecks or other regular income without relying on expensive credit cards or money transfers from friends and family members.

If you need cash now and have no other assets on which to borrow, the cost of this form of credit is much less than that of typical loans or lines of credit.

You should be aware that:

A fee will be charged for every $100 borrowed (typically $15). The total amount charged can vary depending on how much time has elapsed between taking the loan and when it’s repaid. Generally speaking; however, interest rates range from 15% to 35%.

How to Find a Good Direct Lender in Cheyenne, Wyoming Online?

If you think a payday loan may be right for you, the first step is to research the market and find a lender. You can do this quickly by searching on the internet. Simply enter “online payday loans” into a search engine, and the results will take you to several sites that have lists of lenders.

Not all lenders are created equal. Some are nationwide, while others are local and regional. Make sure that you choose a Cheyenne, Wyoming-based lender so that if any problems arise, you can resolve them directly with the lender rather than dealing with an interstate company or having to file suit in federal court.

With a little research, you can find a network of payday lenders that offers competitive rates and terms. Many sites offer what is called a “guarantor” service. It works as follows: The lender will match your application with a Cheyenne, Wyoming friend, or family member who is willing to act as a guarantor if you default on the loan. The guarantor will agree to pay the first $500 in borrowed funds plus any fees that may apply.

In many cases, lenders are willing to offer customers the option of using their cell phone’s text messaging capability (SMS-based loans) instead of visiting an office or filling out paperwork by hand (TAML-based loans).

Cash Advance Online in Cheyenne, Wyoming

With a cash advance online, you will receive a pre-approved loan up to your chosen amount that can be obtained by following a few simple steps.

This kind of short-term loan is suitable for those who need to cover small expenses or have unexpected expenses or bills. You may have received a notification from your bank that their ATM is out of money, and you need to withdraw funds quickly because you have an important meeting the next day.

If you don’t want to go through borrowing money from a friend or family member, then this loan may be the best thing for you.

However, you should remember that cash advances come with high-interest rates, so it’s important to consider your options before taking out this type of loan.

Can I Get a Payday Loan for Bad Credit in Cheyenne, Wyoming?

Payday loans aren’t always easy to get, but bad credit won’t prevent you from securing a payday loan. If your Cheyenne, Wyoming bank account is dwindling while your bills are piling up and your financial situation is dire, you may consider applying for a payday loan. Bad credit or no credit might be a factor in whether you can secure a loan.

The size of your Cheyenne, Wyoming loan should reflect the amount you need for immediate financial relief. If your credit score is poor, don’t expect to secure a loan for more than $500 or $1,000.

Make sure that you apply for a payday loan only from a reliable lender. Contacting lenders that aren’t listed on the yellow pages or websites is not recommended because they may be fraudulent and dishonest.

You will still be required to furnish extensive documentation and undergo an extensive credit check before receiving your cash advance. You will also need to repay the loan with interest and additional fees each month if you want to keep your funds available until they are repaid in full at the end of each month.

24 Hour Payday Loans in Cheyenne, Wyoming

If you need the cash but don’t want to go through the hassle of getting a loan from a local bank or credit union, you can consider applying for a “24 Hour Payday Loan.” You simply apply online and provide your personal information, such as your name, address, Social Security number, date of birth, and email address.

Once you have done this, the lender will notify you that you have been approved for the loan. When it arrives in your bank account two hours after your request has been submitted, take it immediately. Be sure to read all the terms and conditions before signing documents. If there are any errors in the information provided on your application, it could delay approval.

This type of loan cannot be obtained at the local bank or credit union. It must be got online, which means that you won’t be able to borrow any more than the amount requested.

Payday Loans in Cheyenne, Wyoming: Pros and Cons

The pros of a payday loan are well-known: 

  • You can get the cash you need right away, with no credit check or security deposit required. 
  • The loan is not expensive and will cost you only about $15 for every $100 borrowed ($15 for an $80 loan). 
  • You still have time to repay it when your next paycheck arrives, and there are no fees associated with this form of direct lending.
  • When you take out a payday loan in Wyoming, you will be asked to provide your checking or savings account information. The lender will deposit the money directly into your account. The repayment is due at the end of the next business day.

Pros of Obtaining a Payday Loan Funding can arrive within two hours of applying for the loan.

The approval process is very simple and takes only a few minutes to complete.

Payday Loans Have Low-Interest Rates Because they are small loans with short durations, fees, and interest rates are generally lower than those associated with credit cards and other types of unsecured loans that require collateral for approval.

Cons of Obtaining a Payday Loan A certain amount of assessment is required when applying for this type of loan.

There are fees associated with the loan, and interest rates can be high.

Payday loans are generally intended to be short-term and provide temporary financial assistance. If you don’t pay off your debt on time, your bank account can be debited, or your car title can be repossessed in lieu of paying the debt.

Can You Get a Payday Loan in Cheyenne, WY, Without a Bank Account?

If you need short-term cash in Cheyenne and don’t have a bank account, it is still possible to obtain a payday cheque loan. Many legitimate payday loan lenders based online only require checking account details from their borrowers. They then deposit the money into your account electronically.

The interest rates on these loans are often higher than those on loans made to consumers with bank accounts, but they can be useful nonetheless. You’ll need to research reliable payday loan sites that offer this type of loan before paying any fees or submitting any information to them over the internet.

FAQ

Are There Guaranteed Loans in Cheyenne, WY?

If you need money in the short term, you might want to consider using a reliable Wyoming non-bank lender.
It’s important to remember that guaranteed loans are designed to be short-term financial assistance and are not meant to be an ongoing funding source. Basically, guaranteed loans offer a higher interest rate than unsecured loans but have lower fees, making them an attractive option for some borrowers.
Payday Loan Borrowers Must Pay The full amount of the loan and any additional fees to the lender immediately upon receiving it.
These types of loans typically require no credit check or collateral, but you do need to pay all amounts due as they become due to obtaining them.

How Much Can You Borrow in Cheyenne?

You can borrow from about $100 to $1,000, depending on the terms and other factors. The most common amounts offered for payday loans in Wyoming are $100-$150 and $500-$1000.

How Do I Get an Emergency Loan in Cheyenne, WY?

Even if you don’t have a bank account and need quick cash in Cheyenne, you will be able to apply for a payday loan online at the click of a button. Not only are they easy to obtain, but they are also low-cost borrowing options.
Lenders may require additional information, such as your name and address, but this form of lending does not require you to produce any collateral or pay interest upfront.
You can get finance for small emergencies, like repair work on your car or home or an unexpected bill that must be paid before incurring late fees. Payday loans in Wyoming can also cover utility bills and other expenses that come up suddenly.

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