Lost Springs at a glance
- Population: about 4 residents, ranking 99th of 99 Census places in Wyoming (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 4 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: little measurable change between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 99th by size among 99 communities (US Census Bureau).
- Size percentile: it exceeds roughly 0% of Wyoming's Census places by population (US Census Bureau).
- Coordinates: mapped at 42.7652, -104.9255 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Manville, WY (16 mi); Glendo, WY (19 mi); Lusk, WY (24 mi); Douglas, WY (24 mi); Hartville, WY (32 mi) (US Census Bureau).
- Smaller towns nearby: none within 120 miles (US Census Bureau).
What a personal loan costs in Lost Springs
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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 Lost Springs
The sourced rows below are the rules a licensed lender must follow when lending in Wyoming, and therefore in Lost Springs.
| 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 Lost Springs
These steps are the ones that most affect the offer you receive in Lost Springs:
- 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.