Burns at a glance
- Population: 368 (US Census Bureau, Vintage 2023 subcounty estimate), the 66th-largest of 99 places in Wyoming.
- 2020 Census base: 354 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 4.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: the 66th-largest of 99 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 33% of places in Wyoming rank below it by population (US Census Bureau).
- Coordinates: 41.1909, -104.3590 (US Census Bureau Gazetteer).
- Nearest larger cities: Pine Bluffs, WY (15 mi); Cheyenne, WY (23 mi); LaGrange, WY (33 mi); Kimball, NE (37 mi); Nunn, CO (40 mi); US Census Bureau population estimates.
- Smaller places nearby: Albin, WY (21 mi); Grover, CO (23 mi); Bushnell, NE (24 mi), per US Census Bureau estimates.
What a personal loan costs in Burns
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Wyoming lending rules that apply in Burns
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Burns
These steps are the ones that most affect the offer you receive in Burns:
- 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.