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Personal loans in Byron, WY

In Byron, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. The Census puts Byron at about 574 residents, the 50th-largest of 99 places in Wyoming. Wyoming's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Byron at a glance

  • Population: the Census estimates 574 residents, ranking 50th of 99 places in Wyoming (Vintage 2023).
  • 2020 Census base: 559 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: an increase of about 2.7% since the 2020 count (US Census Bureau).
  • Rank among Wyoming places: 50th by size among 99 communities (US Census Bureau).
  • Size percentile: it is larger than about 49% of the places in Wyoming (US Census Bureau).
  • Coordinates: 44.7967, -108.5085 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Cowley, WY (6 mi); Lovell, WY (6 mi); Powell, WY (12 mi); Greybull, WY (31 mi); Cody, WY (33 mi), each a US Census place with its estimated population.
  • Nearest smaller communities: Deaver, WY (8 mi); Frannie, WY (13 mi); Burlington, WY (24 mi), each a US Census place.

What a personal loan costs in Byron

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

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.

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.

Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.

Wyoming lending rules that apply in Byron

The Wyoming rate caps and licensing rules that reach Byron are listed below, each with its source and retrieval date.

RuleDetailSource
Payday lending statusLegal 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 licensingConsumer 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 regulatorWyoming 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

How to compare offers in Byron

Before you share your details with a lender in Byron:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Wyoming using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Byron?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Byron are the same as elsewhere in Wyoming.
How much can I borrow with a personal loan in Byron?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Byron require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Byron hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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