Upton at a glance
- Population: a Census-estimated 888, placing it 45th among Wyoming's 99 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 894 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 0.7% since the 2020 count (US Census Bureau).
- Rank among Wyoming places: the 45th-largest of 99 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 55% of the Census places in Wyoming (US Census Bureau).
- Coordinates: 44.1040, -104.6365 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Moorcroft, WY (19 mi); Sundance, WY (25 mi); Newcastle, WY (28 mi); Gillette, WY (44 mi); Lead, SD (46 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Pine Haven, WY (19 mi); Hulett, WY (40 mi); Central City, SD (47 mi) (Census populations).
What a personal loan costs in Upton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
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 Upton
The Wyoming rate caps and licensing rules that reach Upton are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Upton
The steps below are worth completing first when you borrow in Upton:
- 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.