East Thermopolis at a glance
- Population: the Census estimates 236 residents, ranking 75th of 99 places in Wyoming (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 231 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 75th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 24% of Wyoming's places have fewer residents (US Census Bureau).
- Coordinates: 43.6441 / -108.1979, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Thermopolis, WY (1 mi); Shoshoni, WY (28 mi); Worland, WY (29 mi); Riverton, WY (44 mi); Ten Sleep, WY (46 mi) (US Census Bureau).
- Smaller places nearby: Kirby, WY (11 mi); Pavillion, WY (37 mi); Manderson, WY (45 mi), per US Census Bureau estimates.
What a personal loan costs in East Thermopolis
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total 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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wyoming lending rules that apply in East Thermopolis
The sourced rows below are the rules a licensed lender must follow when lending in Wyoming, and therefore in East Thermopolis.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in East Thermopolis
A few practical steps will make the process in East Thermopolis 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.