Chugwater at a glance
- Population: a Census-estimated 171, placing it 81st among Wyoming's 99 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 177 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 3.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 81st largest of 99 (US Census Bureau).
- Size percentile: ahead of around 18% of Wyoming places in population terms (US Census Bureau).
- Coordinates: latitude 41.7557, longitude -104.8229 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Wheatland, WY (22 mi); LaGrange, WY (35 mi); Fort Laramie, WY (35 mi); Guernsey, WY (35 mi); Lingle, WY (36 mi) (US Census Bureau populations).
- Nearest smaller towns: Yoder, WY (29 mi); Hartville, WY (40 mi); Henry, NE (43 mi) (US Census Bureau).
What a personal loan costs in Chugwater
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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 longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Chugwater
Each row below is a Wyoming rule with its publisher and the date it was retrieved.
| 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 Chugwater
These steps are the ones that most affect the offer you receive in Chugwater:
- 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.