Hulett at a glance
- Population: about 326, 68th by size in Wyoming of 99 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 308 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 5.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 68th largest of 99 (US Census Bureau).
- Size percentile: about 31% of places in Wyoming are smaller (US Census Bureau).
- Coordinates: mapped at 44.6832, -104.5982 by the US Census Bureau Gazetteer.
- Nearest larger cities: Sundance, WY (22 mi); Pine Haven, WY (25 mi); Moorcroft, WY (34 mi); Belle Fourche, SD (36 mi); Upton, WY (40 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Fruitdale, SD (44 mi); Central City, SD (46 mi); Nisland, SD (51 mi) (US Census Bureau).
What a personal loan costs in Hulett
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wyoming lending rules that apply in Hulett
The Wyoming rate caps and licensing rules that reach Hulett are listed below, each with its source and retrieval date.
| 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 Hulett
Run through this list before signing anything in Hulett:
- 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.