Basin at a glance
- Population: 1,330 (US Census Bureau, Vintage 2023 subcounty estimate), the 37th-largest of 99 places in Wyoming.
- 2020 Census base: the 2020 count put the population at 1,290 (US Census Bureau).
- 2020 to 2023 change: about 3.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: 37th of 99 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 63% of places in Wyoming are smaller (US Census Bureau).
- Coordinates: latitude 44.3806, longitude -108.0471 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Greybull, WY (7 mi); Worland, WY (25 mi); Lovell, WY (36 mi); Powell, WY (44 mi); Cody, WY (51 mi) (US Census Bureau populations).
- Nearest smaller towns: Manderson, WY (9 mi); Burlington, WY (20 mi); Byron, WY (37 mi) — US Census Bureau populations.
What a personal loan costs in Basin
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wyoming lending rules that apply in Basin
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Basin
A few practical steps will make the process in Basin less costly:
- 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.