Kaycee at a glance
- Population: 281 — 71st in Wyoming, which has 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 248 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 13.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 71st-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 28% of places in Wyoming are smaller (US Census Bureau).
- Coordinates: 43.7100, -106.6373 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Midwest, WY (27 mi); Buffalo, WY (44 mi); Bar Nunn, WY (56 mi); Wright, WY (57 mi); Evansville, WY (61 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Edgerton, WY (28 mi); Ten Sleep, WY (46 mi); Clearmont, WY (65 mi) (US Census Bureau).
What a personal loan costs in Kaycee
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wyoming lending rules that apply in Kaycee
The sourced rows below are the rules a licensed lender must follow when lending in Wyoming, and therefore in Kaycee.
| 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 Kaycee
A few practical steps will make the process in Kaycee less costly:
- 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.