Wyoming at a glance
- Population: 1,258 (US Census Bureau, Vintage 2023 subcounty estimate), the 588th-largest of 1,294 places in Illinois.
- 2020 Census base: 1,301 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 3.3% lower than the 2020 Census base (US Census Bureau).
- Rank among Illinois places: 588th of 1,294 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 55% of Illinois places in population terms (US Census Bureau).
- Coordinates: it sits at 41.0638, -89.7729 in the US Census Bureau Gazetteer.
- Nearest larger cities: Princeville, IL (9 mi); Kewanee, IL (14 mi); Galva, IL (16 mi); Dunlap, IL (16 mi); Chillicothe, IL (17 mi); US Census Bureau population estimates.
- Nearest smaller communities: Toulon, IL (5 mi); Bradford, IL (10 mi); La Fayette, IL (11 mi), each a US Census place.
What a personal loan costs in Wyoming
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Illinois lending rules that apply in Wyoming
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 9% annual percentage rate (general written-contract interest cap) Source says: "it shall be lawful for the parties to stipulate or agree that an annual percentage rate of 9%, or any less sum". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
| Payday lending status | Permitted under license; capped at 36% annual percentage rate (payday loans) Source says: "shall not contract for or receive a charge exceeding a 36% annual percentage rate ... for a payday loan". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer Installment Loan Act license required from the Director of Financial Institutions (loans above 9% APR) Source says: "No person ... shall engage in the business of making loans of money ... except ... after first obtaining a license from the Director of Financial Institutions". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
| State lending regulator | Illinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions Source says: "DFI licenses, charters, and examines a wide variety of financial products and services including: Consumer and Sales Finance and Collection Agencies". | Illinois Department of Financial and Professional Regulation as of 2026-09-16 |
| Installment lender net-worth requirement | $30,000 minimum positive net worth (plus $25,000 surety bond) Source says: "every applicant shall prove ... that the applicant has and will maintain a positive net worth of a minimum of $30,000". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
How to compare offers in Wyoming
The order below is a sensible way to approach a loan in Wyoming:
- 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 Illinois using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.