Buffalo at a glance
- Population: 4,621, the 18th-largest community in Wyoming out of 99 (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,415 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 4.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 18th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 82% of Wyoming's Census places are smaller (US Census Bureau).
- Coordinates: 44.3385 / -106.7153, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Sheridan, WY (34 mi); Gillette, WY (60 mi); Worland, WY (66 mi); Powell, WY (105 mi); Casper, WY (105 mi) (US Census Bureau populations).
- Smaller towns nearby: Clearmont, WY (27 mi); Ten Sleep, WY (42 mi); Kaycee, WY (44 mi) (US Census Bureau).
What a personal loan costs in Buffalo
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wyoming lending rules that apply in Buffalo
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 Buffalo
Here is a short checklist for comparing personal loans in Buffalo:
- 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.