Ten Sleep at a glance
- Population: the Census estimates 257 residents, ranking 72nd of 99 places in Wyoming (Vintage 2023).
- 2020 Census base: 248 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 3.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 72nd largest of 99 (US Census Bureau).
- Size percentile: it is larger than about 27% of the places in Wyoming (US Census Bureau).
- Coordinates: 44.0351 / -107.4482, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Worland, WY (26 mi); Basin, WY (38 mi); Buffalo, WY (42 mi); Greybull, WY (43 mi); Kaycee, WY (46 mi) (US Census Bureau).
- Smaller towns nearby: Manderson, WY (30 mi); Kirby, WY (40 mi); East Thermopolis, WY (46 mi) (US Census Bureau).
What a personal loan costs in Ten Sleep
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wyoming lending rules that apply in Ten Sleep
Each row below is a Wyoming rule with its publisher and the date it was retrieved.
| 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 Ten Sleep
The order below is a sensible way to approach a loan in Ten Sleep:
- 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.