Evansville at a glance
- Population: 2,778 (US Census Bureau, Vintage 2023 subcounty estimate), the 23rd-largest of 99 places in Wyoming.
- 2020 Census base: 2,767 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 0.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 23rd in population of 99 places (US Census Bureau).
- Size percentile: about 77% of Wyoming's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 42.8760, -106.2678 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Casper, WY (4 mi); Bar Nunn, WY (5 mi); Mills, WY (6 mi); Douglas, WY (45 mi); Wheatland, WY (88 mi) (US Census Bureau populations).
- Nearest smaller towns: Glenrock, WY (21 mi); Rolling Hills, WY (22 mi); Midwest, WY (37 mi) — US Census Bureau populations.
What a personal loan costs in Evansville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wyoming lending rules that apply in Evansville
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Evansville.
| 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 Evansville
Here is a short checklist for comparing personal loans in Evansville:
- 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.