Star Valley Ranch at a glance
- Population: 2,042, the 30th-largest community in Wyoming out of 99 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,862 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 9.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wyoming places: 30th-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 70% of Wyoming's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.9797, -110.9635.
- Nearest larger cities: Afton, WY (18 mi); Jackson, WY (35 mi); Soda Springs, ID (39 mi); Victor, ID (44 mi); Montpelier, ID (48 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Thayne, WY (4 mi); Alpine, WY (13 mi); Irwin, ID (33 mi), each a US Census place.
What a personal loan costs in Star Valley Ranch
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Star Valley Ranch
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Star Valley Ranch
Before you commit to a personal loan in Star Valley Ranch, work through these steps:
- 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.