Hanna at a glance
- Population: 668 residents, the 49th-largest of 99 places in Wyoming (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 684 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 2.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wyoming places: 49th by size among 99 communities (US Census Bureau).
- Size percentile: about 51% of places in Wyoming are smaller (US Census Bureau).
- Coordinates: 41.8698 / -106.5596, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Saratoga, WY (32 mi); Rawlins, WY (35 mi); Laramie, WY (63 mi); Mills, WY (68 mi); Casper, WY (68 mi) (US Census Bureau populations).
- Nearest smaller towns: Elk Mountain, WY (15 mi); Medicine Bow, WY (19 mi); Sinclair, WY (30 mi) (US Census Bureau).
What a personal loan costs in Hanna
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wyoming lending rules that apply in Hanna
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 |
|---|---|---|
| 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 Hanna
Here is a short checklist for comparing personal loans in Hanna:
- 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.