Dayton at a glance
- Population: about 827, 48th by size in Wyoming of 99 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 819 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 1.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 48th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 52% of places in Wyoming rank below it by population (US Census Bureau).
- Coordinates: 44.8734, -107.2624 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Ranchester, WY (5 mi); Sheridan, WY (16 mi); Buffalo, WY (46 mi); Greybull, WY (47 mi); Basin, WY (51 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Lodge Grass, MT (31 mi); Clearmont, WY (46 mi); Manderson, WY (54 mi), each a US Census place.
What a personal loan costs in Dayton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Dayton
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Dayton
The steps below are worth completing first when you borrow in Dayton:
- 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.