Douglas at a glance
- Population: 6,449 residents, the 15th-largest of 99 places in Wyoming (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,381 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 1.1% since the 2020 count (US Census Bureau).
- Rank among Wyoming places: 15th in population of 99 places (US Census Bureau).
- Size percentile: larger than about 85% of the Census places in Wyoming (US Census Bureau).
- Coordinates: it sits at 42.7548, -105.3978 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Casper, WY (47 mi); Laramie, WY (101 mi); Gillette, WY (105 mi); Scottsbluff, NE (108 mi); Gering, NE (109 mi) (US Census Bureau populations).
- Smaller places nearby: Lost Springs, WY (24 mi); Glenrock, WY (25 mi); Rolling Hills, WY (25 mi), per US Census Bureau estimates.
What a personal loan costs in Douglas
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wyoming lending rules that apply in Douglas
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Douglas
A few practical steps will make the process in Douglas less costly:
- 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.