Cowley at a glance
- Population: 845 residents, the 47th-largest of 99 places in Wyoming (US Census Bureau, Vintage 2023).
- 2020 Census base: 767 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 10.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Wyoming places: 47th of the state's 99 Census places (US Census Bureau).
- Size percentile: about 53% of Wyoming's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 44.8835, -108.4693 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Lovell, WY (5 mi); Powell, WY (16 mi); Greybull, WY (34 mi); Cody, WY (38 mi); Basin, WY (40 mi) (US Census Bureau).
- Smaller places nearby: Deaver, WY (6 mi); Byron, WY (6 mi); Frannie, WY (10 mi), per US Census Bureau estimates.
What a personal loan costs in Cowley
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wyoming lending rules that apply in Cowley
The table lists the Wyoming rules that apply to a loan made in Cowley, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 Cowley
Run through this list before signing anything in Cowley:
- 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.