Pinedale at a glance
- Population: 2,034 (US Census Bureau, Vintage 2023 subcounty estimate), the 31st-largest of 99 places in Wyoming.
- 2020 Census base: 2,005 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 31st by size among 99 communities (US Census Bureau).
- Size percentile: about 69% of Wyoming's Census places are smaller (US Census Bureau).
- Coordinates: latitude 42.8676, longitude -109.8705 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Afton, WY (55 mi); Star Valley Ranch, WY (56 mi); Lander, WY (58 mi); Jackson, WY (62 mi); Riverton, WY (76 mi) (US Census Bureau populations).
- Smaller towns nearby: Marbleton, WY (24 mi); Big Piney, WY (26 mi); La Barge, WY (45 mi) (US Census Bureau).
What a personal loan costs in Pinedale
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wyoming lending rules that apply in Pinedale
The table lists the Wyoming rules that apply to a loan made in Pinedale, each with the regulator that published it.
| 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 Pinedale
Run through this list before signing anything in Pinedale:
- 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.