Opal at a glance
- Population: 65 people, the 96th-largest place among Wyoming's 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 64 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 1.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 96th in population of 99 places (US Census Bureau).
- Size percentile: roughly 3% of Wyoming's places have fewer residents (US Census Bureau).
- Coordinates: latitude 41.7679, longitude -110.3244 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Diamondville, WY (11 mi); Kemmerer, WY (12 mi); Granger, WY (22 mi); Lyman, WY (30 mi); Mountain View, WY (34 mi) (US Census Bureau).
- Nearest smaller communities: Oxford, ID (93 mi), each a US Census place.
What a personal loan costs in Opal
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wyoming lending rules that apply in Opal
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Opal.
| 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 Opal
Before you share your details with a lender in Opal:
- 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.