Alpine at a glance
- Population: 1,332, the 36th-largest community in Wyoming out of 99 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,226 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: an increase of about 8.6% since the 2020 count (US Census Bureau).
- Rank among Wyoming places: 36th of the state's 99 Census places (US Census Bureau).
- Size percentile: it is larger than about 64% of the places in Wyoming (US Census Bureau).
- Coordinates: mapped at 43.1604, -111.0148 by the US Census Bureau Gazetteer.
- Nearest larger cities: Star Valley Ranch, WY (13 mi); Jackson, WY (25 mi); Afton, WY (30 mi); Victor, ID (31 mi); Driggs, ID (40 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Thayne, WY (17 mi); Irwin, ID (21 mi); Swan Valley, ID (25 mi), each a US Census place.
What a personal loan costs in Alpine
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wyoming lending rules that apply in Alpine
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Alpine.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 36% per year on unpaid principal balances up to $1,000; 21% above $1,000 (Wyo. Stat. § 40-14-310(g)) Source says: shall not exceed the equivalent of thirty-six percent (36%) per year on that part of the unpaid balances of the principal | Wyoming Legislature (Wyoming Statutes) as of 2026-09-16 |
| Payday lending status | Legal with a post-dated check casher license; finance charge capped at the greater of $30 or 20% per month; max term 1 month (Wyo. Stat. § 40-14-363) Source says: No post-dated check finance charge shall exceed the greater of thirty dollars ($30.00) or twenty percent (20%) per month on the principal balance | Wyoming Legislature (Wyoming Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer Lender, Sales Finance Company, Post-Dated Check Casher, and Pawnbroker licenses via NMLS; licensing mandatory per location including online Source says: Licensing is mandatory for every location where business is regularly conducted | Wyoming Division of Banking as of 2026-09-16 |
| State lending regulator | Wyoming Division of Banking Source says: The Division is responsible for the chartering and regulation of Wyoming state banks, trust companies, mortgage companies, as well as non-bank financial companies. | Wyoming Division of Banking as of 2026-09-16 |
How to compare offers in Alpine
These steps are the ones that most affect the offer you receive in Alpine:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wyoming using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.