Mills at a glance
- Population: roughly 4,517 people; 19th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,198 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 7.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 19th out of 99 Census places (US Census Bureau).
- Size percentile: about 81% of Wyoming's Census places are smaller (US Census Bureau).
- Coordinates: 42.8499 latitude, -106.3908 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Casper, WY (4 mi); Douglas, WY (51 mi); Rawlins, WY (85 mi); Riverton, WY (101 mi); Buffalo, WY (104 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Bar Nunn, WY (5 mi); Evansville, WY (6 mi); Glenrock, WY (27 mi), per US Census Bureau estimates.
What a personal loan costs in Mills
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wyoming lending rules that apply in Mills
Each row below is a Wyoming rule with its publisher and the date it was retrieved.
| 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 Mills
A few practical steps will make the process in Mills 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.