Deaver at a glance
- Population: about 169 residents, ranking 82nd of 99 Census places in Wyoming (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 155 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 9.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: 82nd largest of 99 (US Census Bureau).
- Size percentile: larger than about 17% of the Census places in Wyoming (US Census Bureau).
- Coordinates: 44.8890 latitude, -108.5960 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Cowley, WY (6 mi); Byron, WY (8 mi); Lovell, WY (11 mi); Powell, WY (12 mi); Burlington, WY (32 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Frannie, WY (6 mi); Bearcreek, MT (33 mi); Manderson, WY (53 mi) (US Census Bureau).
What a personal loan costs in Deaver
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
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 Deaver
Read the table as the compliance picture for a lender serving Deaver: label, sourced figure, publisher and date.
| 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 Deaver
These steps are the ones that most affect the offer you receive in Deaver:
- 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.