Lovell at a glance
- Population: roughly 2,350 people; 27th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,246 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 4.6% since the 2020 count (US Census Bureau).
- Rank among Wyoming places: 27th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 73% of Wyoming's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 44.8358, -108.3919 by the US Census Bureau Gazetteer.
- Nearest larger cities: Powell, WY (19 mi); Cody, WY (39 mi); Red Lodge, MT (49 mi); Worland, WY (60 mi); Laurel, MT (61 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Cowley, WY (5 mi); Byron, WY (6 mi); Deaver, WY (11 mi) (US Census Bureau estimates).
What a personal loan costs in Lovell
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wyoming lending rules that apply in Lovell
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lovell
Run through this list before signing anything in Lovell:
- 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.