Payday Loans in Hillsdale, Wyoming

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

Company nameAddressZip codePhone number
CIT-CO Federal Credit Union 502 N Main St, Sheridan, WY 82801 +1 (307) 674 - 7449
Advance America 1215 S Douglas Hwy Ste. B, Gillette, WY 82716 +1 (307) 682 - 5544
Fast Cash 1835 CY Ave, Casper, WY 82604 +1 (307) 237 - 1322
Bay Equity Home Loans - Gillette 39 Town Center Dr 110, Gillette, WY 82718 +1 (307) 682 - 1807
Bank of Buffalo 106 Fort St, Buffalo, WY 82834 +1 (307) 684 - 5591
Meridian Trust Federal Credit Union 1817 Mahoney St, Rawlins, WY 82301 +1 (307) 324 - 2024
Krista Huntley - Thrivent Financial 532 Val Vista St 104, Sheridan, WY 82801 +1 (307) 675 - 1166
Frontier Ford Inc 12 Lincoln St, Diamondville, WY 83116 +1 (888) 505 - 0408
Wyoming Trust Company 141 S Center St 404, Casper, WY 82601 +1 (307) 234 - 3070
Wells Fargo Bank 616 N Federal Blvd, Riverton, WY 82501 +1 (307) 857 - 2620

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hillsdale, WY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for 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 Hillsdale, WY.

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

82060

Are Payday Loans Legal In Hillsdale, 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)

Hillsdale, WY payday loan calculator

Payday Loans in Hillsdale, Wyoming: An Overview

If you are considering a payday loan in Hillsdale, Wyoming, it is essential to understand the basics of payday lending and the regulations surrounding it in your state. Here, we will provide a comprehensive overview of payday loans, how they work, and what you need to know before you apply.

What are Payday Loans?

Payday loans are a type of short-term loan that is typically due on your next payday. These loans are designed for individuals who need money quickly and cannot wait for a traditional loan approval process. Many payday loans have high-interest rates, making them a potentially expensive way to borrow money.

Are Payday Loans Legal in Wyoming?

Yes, payday loans are legal in Wyoming. According to Wyoming Statutes 2001, Title 40, Chapter 14, Article 3, payday lending is legal in the state. However, there are regulations in place to protect borrowers.

Regulations Surrounding Payday Loans in Wyoming

In Wyoming, payday lenders are required to register with the Wyoming Division of Banking. Lenders must also comply with the Wyoming Uniform Consumer Credit Code. This code mandates the following regulations:

  • The maximum loan amount is $1000 or 25% of the borrower’s gross monthly income, whichever is less.
  • The maximum loan term is one month.
  • Lenders cannot charge more than 20% of the principal as a loan fee.
  • Lenders cannot charge more than 4% monthly or 48% annually for interest and fees combined.
  • Lenders cannot require collateral to secure a payday loan.

The Pros and Cons of Payday Loans

Payday loans, like any type of borrowing, have their pros and cons. Here are some of the advantages:

  • They are easy to obtain, and the approval process is quick.
  • You can get the money you need for an emergency or unexpected expense.
  • You don’t need good credit to qualify for a payday loan.

However, there are also some disadvantages:

  • The fees and interest rates can be high, making them an expensive way to borrow money.
  • Rolling over a payday loan can lead to a cycle of debt and high fees.
  • Defaulting on a payday loan can hurt your credit score.

Interesting Facts About Payday Loans in Hillsdale, Wyoming

Here are some fascinating statistics about payday loans in Hillsdale, Wyoming:

  • According to the Wyoming Department of Audit, as of 2021, there are over 100 payday lenders in Wyoming.
  • The average payday loan in Wyoming is $400.
  • The average APR for a payday loan in Wyoming is 527%.

Applying for a Payday Loan in Hillsdale, Wyoming

If you decide to apply for a payday loan in Hillsdale, Wyoming, TheGuaranteedLoans can help facilitate the process. We are a connector service that matches borrowers with potential lenders. Fill out our online application, and we will connect you with a lender that meets your needs.

It is important to note that TheGuaranteedLoans is not a direct lender. We do not provide the funds to borrowers directly. Instead, we work with a network of lenders to help you find one that meets your requirements. Our service is free, and there is no obligation to accept any loan offers you receive.

Conclusion

Payday loans can be a useful way to obtain quick cash when you need it most. However, it is essential to understand the regulations and potential risks associated with this type of borrowing. If you are considering a payday loan, make sure you can afford it and repay it on time. And if you need help finding a lender in Hillsdale, Wyoming, TheGuaranteedLoans is here to assist.

F.A.Q.

Can I be charged with additional fees if I extend or renew my payday loan in Hillsdale, Wyoming?

Yes, some lenders may charge additional fees if you choose to extend or renew your payday loan in Hillsdale, Wyoming. These fees may be a percentage of the outstanding balance or a flat fee. It is important to carefully review the terms of your loan before agreeing to extend or renew it.

What are payday loans in Hillsdale, Wyoming?

Payday loans in Hillsdale, Wyoming are short-term, unsecured loans that are designed to help borrowers cover unexpected expenses or emergencies until their next payday.

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