Rock River at a glance
- Population: 218, the 77th-largest community in Wyoming out of 99 (US Census Bureau, Vintage 2023).
- 2020 Census base: 213 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 2.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Wyoming places: 77th of 99 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 22% of places in Wyoming rank below it by population (US Census Bureau).
- Coordinates: 41.7317 / -105.9751, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Medicine Bow, WY (16 mi); Hanna, WY (32 mi); Laramie, WY (35 mi); Saratoga, WY (47 mi); Encampment, WY (56 mi) (US Census Bureau).
- Nearest smaller towns: Elk Mountain, WY (23 mi); Riverside, WY (55 mi); Chugwater, WY (59 mi) — US Census Bureau populations.
What a personal loan costs in Rock River
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wyoming lending rules that apply in Rock River
Read the table as the compliance picture for a lender serving Rock River: label, sourced figure, publisher and date.
| 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 Rock River
The steps below are worth completing first when you borrow in Rock River:
- 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.