Sinclair at a glance
- Population: a Census-estimated 363, placing it 67th among Wyoming's 99 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 372 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 2.4% below the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: 67th of the state's 99 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 32% of Wyoming's Census places by population (US Census Bureau).
- Coordinates: 41.7761 latitude, -107.1199 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Rawlins, WY (5 mi); Saratoga, WY (27 mi); Hanna, WY (30 mi); Encampment, WY (43 mi); Baggs, WY (58 mi); US Census Bureau population estimates.
- Smaller places nearby: Elk Mountain, WY (37 mi); Bairoil, WY (39 mi); Riverside, WY (43 mi), per US Census Bureau estimates.
What a personal loan costs in Sinclair
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Sinclair
The Wyoming rate caps and licensing rules that reach Sinclair are listed below, each with its source and retrieval 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 Sinclair
These steps are the ones that most affect the offer you receive in Sinclair:
- 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.