Thermopolis at a glance
- Population: the Census estimates 2,742 residents, ranking 24th of 99 places in Wyoming (Vintage 2023).
- 2020 Census base: 2,721 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 0.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wyoming places: 24th of 99 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 76% of Wyoming's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 43.6476, -108.2145 in the US Census Bureau Gazetteer.
- Nearest larger cities: Worland, WY (29 mi); Riverton, WY (44 mi); Lander, WY (62 mi); Cody, WY (73 mi); Powell, WY (82 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: East Thermopolis, WY (1 mi); Kirby, WY (11 mi); Shoshoni, WY (29 mi), per US Census Bureau estimates.
What a personal loan costs in Thermopolis
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 advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wyoming lending rules that apply in Thermopolis
Read the table as the compliance picture for a lender serving Thermopolis: 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 Thermopolis
The steps below are worth completing first when you borrow in Thermopolis:
- 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.