Lingle at a glance
- Population: about 398 residents, ranking 61st of 99 Census places in Wyoming (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 396 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 0.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 61st by size among 99 communities (US Census Bureau).
- Size percentile: roughly 38% of Wyoming's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 42.1387, -104.3460 by the US Census Bureau Gazetteer.
- Nearest larger cities: Torrington, WY (10 mi); Guernsey, WY (22 mi); Morrill, NE (25 mi); Mitchell, NE (31 mi); Wheatland, WY (32 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Fort Laramie, WY (10 mi); Yoder, WY (16 mi); Henry, NE (18 mi), each a US Census place.
What a personal loan costs in Lingle
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wyoming lending rules that apply in Lingle
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Lingle.
| 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 Lingle
These steps are the ones that most affect the offer you receive in Lingle:
- 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.