Cody at a glance
- Population: about 10,240 residents, ranking 11th of 99 Census places in Wyoming (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 10,040 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: 11th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 89% of places in Wyoming rank below it by population (US Census Bureau).
- Coordinates: it sits at 44.5212, -109.0575 in the US Census Bureau Gazetteer.
- Nearest larger cities: Billings, MT (91 mi); Sheridan, WY (105 mi); Riverton, WY (109 mi); Jackson, WY (112 mi); US Census Bureau population estimates.
- Smaller places nearby: Powell, WY (22 mi); Meeteetse, WY (27 mi); Burlington, WY (31 mi), per US Census Bureau estimates.
What a personal loan costs in Cody
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wyoming lending rules that apply in Cody
The Wyoming rate caps and licensing rules that reach Cody are listed below, each with its source and retrieval date.
| 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 Cody
The order below is a sensible way to approach a loan in Cody:
- 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.