Pine Bluffs at a glance
- Population: roughly 1,121 people; 40th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,172 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a loss of about 4.4% since the 2020 count (US Census Bureau).
- Rank among Wyoming places: 40th by size among 99 communities (US Census Bureau).
- Size percentile: about 60% of places in Wyoming are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.1802, -104.0748.
- Nearest larger cities: Kimball, NE (22 mi); Cheyenne, WY (37 mi); Gering, NE (50 mi); Scottsbluff, NE (52 mi); Ault, CO (54 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Bushnell, NE (10 mi); Burns, WY (15 mi); Albin, WY (16 mi) (Census populations).
What a personal loan costs in Pine Bluffs
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Pine Bluffs
The table lists the Wyoming rules that apply to a loan made in Pine Bluffs, each with the regulator that published it.
| 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 Pine Bluffs
Here is a short checklist for comparing personal loans in Pine Bluffs:
- 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.