Edgerton at a glance
- Population: roughly 154 people; 84th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 154 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: under a tenth of a percent either way (US Census Bureau Vintage 2023 estimate).
- Rank among Wyoming places: 84th of the state's 99 Census places (US Census Bureau).
- Size percentile: about 15% of Wyoming's Census places are smaller (US Census Bureau).
- Coordinates: 43.4134 / -106.2474, per the US Census Bureau Gazetteer.
- Nearest larger cities: Midwest, WY (2 mi); Kaycee, WY (28 mi); Bar Nunn, WY (34 mi); Evansville, WY (37 mi); Mills, WY (40 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Lost Springs, WY (80 mi); Clearmont, WY (85 mi); Manville, WY (93 mi) (Census populations).
What a personal loan costs in Edgerton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Wyoming lending rules that apply in Edgerton
The sourced rows below are the rules a licensed lender must follow when lending in Wyoming, and therefore in Edgerton.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Edgerton
The order below is a sensible way to approach a loan in Edgerton:
- 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.