Payday Loans in Cowley, Wyoming

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
First Interstate Bank 300 Wyoming Blvd SW, Mills, WY 82644 +1 (307) 235 - 4448
Crazy Woman Creek Bancorp Inc 106 Fort St, Buffalo, WY 82834 +1 (307) 684 - 5591
Loan Ranger Pawn 332 E A St, Casper, WY 82601 +1 (307) 473 - 5329
Advance Cash Services 408 W 17th St, Cheyenne, WY 82001 +1 (307) 634 - 4432
Laurie Ross - Prudential Financial 331 Lowell St, Sheridan, WY 82801 +1 (307) 674 - 6973
Bank of Jackson Hole 3285 Village Dr, Teton Village, WY 83025 +1 (307) 734 - 9037
U.S. Bank Branch 1437 Prairie Ave, Cheyenne, WY 82009 +1 (307) 772 - 4060
Mortgage Solutions Financial Powell 297 S Division St, Powell, WY 82435 +1 (307) 683 - 1216
Big Horn Federal Savings Bank 643 Broadway St, Thermopolis, WY 82443 +1 (307) 864 - 2156
Walmart Money Center 1809 Sugarland Dr, Sheridan, WY 82801

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cowley, 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 Without a Credit Check in Gillette, WY and Quick 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 Cowley, WY.

Beautiful sights of Cowley, WY

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

82420

Are Payday Loans Legal In Cowley, 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)

Cowley, WY payday loan calculator

Payday Loans in Cowley, Wyoming: Everything You Need to Know

Financial emergencies can take many forms, and when a sudden expense arises, it can be challenging to know where to turn. In times like these, payday loans can be a helpful tool to turn to, as they offer cash advances to help you bridge the gap until your next paycheck arrives. If you live in Cowley, Wyoming, this guide will help you understand everything you need to know about payday loans.

What are Payday Loans?

Payday loans offer short-term, high-interest loans of typically $500 or less, with repayment due by the borrower’s next payday. Unlike traditional personal loans, payday loans don’t require a credit check and can be obtained quickly and easily. This makes them an appealing option for individuals who need money quickly and can’t wait for a traditional loan application process. However, payday loans come with high interest rates and fees, so it’s critical to consider the potential downsides before borrowing.

How Do Cowley, Wyoming Payday Loans Work?

In Cowley, Wyoming, payday loans are legal, but there are regulations in place to protect both lenders and borrowers. The maximum payday loan amount allowed in Wyoming is $1000 or 25% of the borrower’s gross monthly income, whichever is less. The maximum loan term is one calendar month.

To obtain a payday loan in Cowley, you will need to meet certain requirements, including:

  • A valid government-issued ID
  • A recent pay stub or proof of income
  • A checking account in good standing

Once you provide the necessary information, the lender will evaluate your application and decide whether to approve it. If you’re approved, you can receive the funds within a few days, either via check or direct deposit into your bank account.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are some to consider:

Pros

  • Fast and easy application process
  • No credit check required
  • Access to cash quickly
  • Can be used for any purpose

Cons

  • High interest rates and fees
  • Short repayment terms can lead to debt cycles
  • Borrowers can wind up owing more than they can afford to repay
  • Can damage credit scores and make it harder to obtain financing in the future

Interesting Facts and Statistics About Payday Loans in Cowley, Wyoming

Did you know that Wyoming has one of the highest rates of payday loan usage in the United States, with 1 in 5 Wyoming residents taking out a payday loan each year? In 2020, the average payday loan amount in Wyoming was $425, and the average annual interest rate on a payday loan was 490%. These statistics highlight the need for responsible borrowing and informed decision-making when considering payday loans in Cowley, Wyoming.

Apply Now

If you’re facing a financial emergency and need quick cash, TheGuaranteedLoans can help. We connect borrowers with lenders who offer payday loans in Cowley, Wyoming, and beyond. Our service is free to use and simple to navigate. We are not a direct lender, but rather, a connection service that helps you find the best lender for your needs. Our application process is fast and secure, and you can get started today by completing our online application.

Before applying for a payday loan, be sure to understand the terms and conditions of the loan and consider all other financial options available to you. Borrowing money is a significant financial decision, and it’s essential to choose a reputable lender that offers reasonable rates and fees.

In conclusion

Payday loans can be a useful tool for individuals who need cash quickly, but it’s essential to understand the risks and potential downsides before borrowing. Remember, responsible borrowing includes only taking out a loan that you can afford to repay and using payday loans as a last resort when all other financial options have been exhausted.

F.A.Q.

Are there any protections for borrowers in Cowley, 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 Cowley, 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.

Look for Short-Term Loans in Other Cities: