Yoder at a glance
- Population: roughly 132 people; 87th of 99 places in Wyoming (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 130 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 1.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 87th out of 99 Census places (US Census Bureau).
- Size percentile: roughly 12% of places in Wyoming rank below it by population (US Census Bureau).
- Coordinates: latitude 41.9170, longitude -104.2954 (US Census Bureau Gazetteer).
- Nearest larger cities: Torrington, WY (12 mi); Lyman, NE (13 mi); Lingle, WY (16 mi); Morrill, NE (19 mi); LaGrange, WY (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Henry, NE (14 mi); Hartville, WY (36 mi); Melbeta, NE (41 mi) (US Census Bureau estimates).
What a personal loan costs in Yoder
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wyoming lending rules that apply in Yoder
Each row below is a Wyoming rule with its publisher and the date it was retrieved.
| 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 Yoder
Here is a short checklist for comparing personal loans in Yoder:
- 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.