Dubois at a glance
- Population: 990 — 44th in Wyoming, which has 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 907 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 9.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 44th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 56% of places in Wyoming are smaller (US Census Bureau).
- Coordinates: 43.5460, -109.6476 (US Census Bureau Gazetteer).
- Nearest larger cities: Pinedale, WY (48 mi); Jackson, WY (57 mi); Lander, WY (68 mi); Thermopolis, WY (72 mi); Riverton, WY (73 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Pavillion, WY (52 mi); Meeteetse, WY (57 mi); Hudson, WY (70 mi), each a US Census place.
What a personal loan costs in Dubois
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
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 Dubois
Read the table as the compliance picture for a lender serving Dubois: label, sourced figure, publisher and date.
| 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 Dubois
Before you share your details with a lender in Dubois:
- 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.