Riverton at a glance
- Population: 10,923, the 9th-largest community in Wyoming out of 99 (US Census Bureau, Vintage 2023).
- 2020 Census base: 10,687 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 2.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wyoming places: 9th of the state's 99 Census places (US Census Bureau).
- Size percentile: ahead of around 91% of Wyoming places in population terms (US Census Bureau).
- Coordinates: latitude 43.0263, longitude -108.3813 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Casper, WY (105 mi); Rock Springs, WY (108 mi); Green River, WY (118 mi) (US Census Bureau).
- Nearest smaller towns: Hudson, WY (13 mi); Shoshoni, WY (20 mi); Pavillion, WY (22 mi) — US Census Bureau populations.
What a personal loan costs in Riverton
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wyoming lending rules that apply in Riverton
Read the table as the compliance picture for a lender serving Riverton: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Riverton
Here is a short checklist for comparing personal loans in Riverton:
- 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.