Granger at a glance
- Population: about 93 residents, ranking 89th of 99 Census places in Wyoming (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 96 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 3.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 89th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 10% of the Census places in Wyoming (US Census Bureau).
- Coordinates: it sits at 41.5979, -109.9652 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Lyman, WY (25 mi); Green River, WY (26 mi); Mountain View, WY (30 mi); Diamondville, WY (32 mi); Kemmerer, WY (33 mi) (US Census Bureau populations).
- Nearest smaller communities: Opal, WY (22 mi); Oxford, ID (115 mi), each a US Census place.
What a personal loan costs in Granger
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Granger
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Granger
Before you commit to a personal loan in Granger, work through these steps:
- 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.