Current Payday Lenders in Wyoming – Terms, Rates, Legislation

The list of payday lenders in Wyoming

1. ACE Cash Express
   • Website: acecashexpress.com
   • Address: 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062
   • Service: Online/Offline
   • States: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas, Wyoming
2. Check`n Go
   • Website: https://www.checkngo.com/
   • Address: P.O. Box 36124, Cincinnati, OH 45236
   • Service: Online/Offline
   • States: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Wisconsin, Wyoming
3. Check Into Cash
   • Website: checkintocash.com
   • Address: 201 Keith Street, Suite 5 Cleveland
   • Service: Online/Offline
   • States: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
4. Speedy Cash
   • Website: https://www.speedycash.com/
   • Address: P.O. Box #780408 Wichita, KS 67278
   • Service: Online/Offline
   • States: Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
5. Open Cash Advance
   • Website: https://opencashadvance.com/
   • Address: 30 N GOULD ST, STE R, Sheridan, WY 82801
   • Service: Online/Offline
   • States: Alaska, Florida, Georgia, Iowa, Missouri, North Dakota, Tennessee, Texas, Wyoming
6. Green Day Online
   • Website: https://greendayonline.com/
   • Address: 5050 Quorum Drive Dallas, Texas 75254 18851 NE 29th Avenue Aventura, FL 33180
   • Service: Online
   • States: Residents of certain states, including, but not limited to Arkansas, New York, Vermont, West Virginia, Washington, and Pennsylvania
7. Check City
   • Website: https://www.checkcity.com/
   • Address: 970028, Orem, UT 84097
   • Service: Online/Offline
   • States: Alabama, Alaska, California, Colorado, Hawaii, Idaho, Kansas, Missouri, Nevada, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
8. Payday Champion
   • Website: https://www.paydaychampion.com/
   • Address: 412 Main St. #420 Houston, TX 77002
   • Service: Online
   • States: All US states
9. Advance America
   • Website: advanceamerica.net
   • Address: 135 N Church St Spartanburg, SC
   • Service: Online
   • States: Alabama, California, Colorado, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
10. WeLoans
    • Website: https://weloans.com/
    • Address: 2020 S.Hacienda Boulevard STE M Hacienda Heights CA 91745 United States
    • Service: Online
    • States: All US states
11. MaybeLoan
    • Website: https://maybeloan.com/
    • Address: 901 Travis St, Houston, TX, USA
    • Service: Online
    • States: All US states
12. Snappy Payday Loans
    • Website: https://www.snappypaydayloans.com/
    • Address: 398 Dania Beach Blvd #468, Dania Beach, FL 33004
    • Service: Online
    • States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Wyoming

Are payday loans legal in Wyoming?

It is legal to issue a payday loan in Wyoming. This state has not changed loan regulations for decades already. They were admitted as the part of Wyoming Uniform Consumer Credit Code (UCCC). At the present moment, there were no law changed accepted.

Takeaways:

• Payday lending status: Legal
• Maximum loan amount: Not Specified
• Loan term: 1 month (maximum)
• Finance charges for $100 (14-day loan): $30
• APR for 14-day $100 loan: 782%
• Number of outstanding loans permitted: Not Specified
• Rollovers allowed: None
• Repayment plan: Not Specified
• Criminal action: Prohibited

Am I eligible for a payday loan in WY?

It’s rather simply to qualify for Wyoming payday loans. You just need to meet the requirements to get a financial assistance:

• be at least 18 years old or over;
• be a legal Wyoming resident;
• provide a proof of a stable income a month of at least $1,000;
• a valid phone number and email;
• no bankruptcy or military service.

Payday loan amounts in Wyoming

Wyoming legislation has not fixed limits of a maximum loan amount. It starts with $100. Besides, there is no limitation to a number of loans that a person can apply for.

Maximum term for a payday loan in Wyoming

A minimum term is about 8 days. The maximum is 70 days. Wyoming residents cannot extend or renew their loans.

Rates, fees and other charges in the described state

What is the statute of limitations on a payday loan in Wyoming?

Payday financial assistance in Wyoming is regulated by Wy. Stat. 40-14-362 et seq. (Wyoming Uniform Consumer Credit Code). Indeed, there doesn’t exist any legal restrictions on the loan amount that can be issued. However, the law sets certain limitations on the time the loan should be paid off.

All lenders operating in the described state must have a post-dated check casher license. It should be got from the Department of Audit, Division of Banking according to the Wy. Stat. 40-14-362 et seq.

This state follows the Fair Debt Collection Practices Act (FDCPA). It protects future borrowers and controls debt collection practices through debt collectors and lenders. These legislation aspects explain what a credit collector isn’t allowed to do and what a borrower can do if their rights protected by this Act have been broken.

A debt collector isn’t allowed to terrify you into a lawsuit for a time-barred debt. It also has no right to falsely present themselves as a government worker or lawyer. However, if that happens, you can lodge a complaint against the debt collector.

Consumer information: key notes

• Lenders are banned to apply any criminal activities against borrowers;
• Payday loans are not allowed to be refinanced into another payday loan;
• The state bans clients to secure a cash advance at one lending company to cover the loan obligations to the previous lending service;
• A borrower has a right to get a repayment plan every 12 months. It will provide the opportunity to repay the loan in 4 equal installments over 60 days.