$1,000 - $100,000
CS: 0 • 5.94% - 35.99%
Best Personal Loans in for Good and Bad Credit Wyoming of August 2026
ElitePersonalFinance
•
Personal Loans by States and Cities •
Last Update: August 6, 2026
Personal loans in Wyoming come from online lenders, banks, and credit unions. Each of those types has its pros and cons, and its approval criteria based on your requirements. Personal loans in Wyoming offer up to $100,000 amount and cap their APR at 35.99%. We researched more than 100 online lenders, 48 banks, and 34 credit unions. We evaluated their pros, cons, amount, APR, terms, credit score, and their overall performance in Wyoming. We put the best below.
| Loan Company: | Min. Credit Score: | APR: | Amount: | Best for: | Apply: |
|---|---|---|---|---|---|
Upstart  |
300 | 7.40% – 35.99% | $1,000 - $50,000 | Low credit scores, high DTI ratios | Apply Now SSLNo Credit Effect |
ZippyLoan  |
0 | 5.99% To 35.99% | $300 - $15,000 | Bad or no credit | Apply Now SSLNo Credit Effect |
PersonalLoans  |
580 | 5.99% – 35.99% | $1,000 – $35,000 | Short and long-term personal loans | Apply Now SSLNo Credit Effect |
Prosper  |
640 | 7.95% – 35.99% | $2,000 – $40,000 | Obtaining multiple personal loans | Apply Now SSLNo Credit Effect |
Happy Money  |
550 | 5.99% – 24.99% | $5,000 – $40,000 | A stable credit history | Apply Now SSLNo Credit Effect |
Wells Fargo  |
660 | 5.74% – 19.99% | $3,000 – $100,000 | Wells Fargo customers | Apply Now SSLNo Credit Effect |
Those who want to find all loans in one place can visit our marketplace:
ElitePersonalFinance Marketplace
$100 - $40,000
CS: 0 • 5.99% - 35.99%
$1,000 - $100,000
CS: 0 • 5.94% - 35.99%
$100 - $20,000
CS: 0 • 5.99% - 35.99%
$200 - $5,000
CS: 0 • 5.99% - 35.99%
Why Should You Trust ElitePersonalFinance’s Guides?
ElitePersonalFinance’s guides are a by-product of extensive research and hands-on testing, written and verified by finance experts with more than ten years in the industry. As a result, our guides are always up to date with the latest developments in the personal finance world.
Our team constantly compares terms, rates, APRs, and fees from leading lenders, providing only the most up-to-date information on our publication. Only reputable companies have a chance of being featured (goodbye, payday loans, and other predatory lenders!)
Know a lender not listed here that you highly recommend? Then, contact one of our ElitePersonalFinance experts by emailing info@www.elitepersonalfinance.com — lend a hand!
Best Personal Lenders in Wyoming of August 2026
Here are the best lenders in August 2026. As mentioned, our personal lender reviews evaluate lenders based on strength of APR, loan amounts, favorable terms , and online reviews.
Upstart
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SSL
No Credit Effect
Fees
- Origination fee of 0% – 12% of the loan amount
- Late payment fee of 5% of the past-due amount or $15, whichever is greater, if payment is more than 10 calendar days late
- ACH return fee of $15 per occurrence
- Returned check fee of $15 per occurrence
- Paper copies fee of $10 if eSign consent is withdrawn and paper records are requested
- No prepayment penalty
- Exact fees are disclosed in the loan agreement and may vary by creditor, loan terms, and state
Qualification Criteria
- Minimum age: 18
- Must be a U.S. resident
- Minimum annual income of $12,000 is required to apply
- Must provide valid personal and financial information
- Must have sufficient income and ability to repay the loan
- Credit history and credit profile are considered
- Debt-to-income ratio and existing debt obligations may be considered
- Employment history and income stability may be considered
- Upstart may consider W-2, self-employment, gig, freelance, retirement, disability, Social Security, pension, and other eligible income
- Upstart's model considers income, employment, education, and other factors beyond credit history
- No minimum educational attainment is required
- Checking your rate uses a soft credit inquiry and does not affect your credit score
- A hard credit inquiry is performed if you proceed with the formal application
- Additional documentation may be required
- Minimum loan amounts vary by state: $3,100 in Georgia, $1,500 in Hawaii, and $7,000 in Massachusetts
- Not all applicants will qualify
Average Borrower Profile
- Upstart does not currently publish a current average funded personal-loan amount or average borrower credit score
- Upstart had more than 4 million customers as of June 30, 2026
- Upstart's underwriting model evaluates more than 2,500 variables
- In a 2026 comparison using Upstart data from 2025, the Upstart model approved 41% more applicants and produced rates 33% lower than a hypothetical traditional model
- More than 3 million borrowers had selected debt consolidation or credit-card refinancing as their use of funds as of June 30, 2026
- Actual loan amount, APR, fees, and repayment terms depend on the applicant's qualifications
Best For
- Low credit scores, high DTI ratios
Terms: Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 18.44% and a 8.64% origination fee of $864, for an APR of 22.88%. In this example, the borrower will receive $9,136 and will make 60 monthly payments of $257. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. It is important to review your promissory note for these details before accepting your loan.
When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
The APR calculation compares the two models based on the average APR offered to borrowers up to the same approval rate. The hypothetical credit-score only model used in Upstart’s analysis was developed in connection with the CFPB No Action Letter access-to-credit testing program and was built from a traditional credit score only model trained on Upstart platform data. APR for the scorecard was averaged for each given traditional credit score grouping.
While automated recurring payments are easy to set up, payments by check or one time electronic payments can also be used to repay a loan. Borrowers have the flexibility to choose the repayment method that works best for them.
This information is based on actual borrowers as of 4/1/2023 who identified “credit card refinancing” as their primary use of funds and paid off at least 51% of their outstanding credit card debt within 3 months of taking out the loan. Out of these actual borrowers, some could have experienced an increase or decrease in their credit score. This information reflects the overall average change in credit score points experienced by this group of borrowers as identified above.
The majority of borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents, however final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer wait times if additional documentation is required for review.
Upstart is an excellent choice for Wyoming residents with no to limited credit looking for low APRs (4.6% – 35.99%) and long repayment terms of three to five years.
To qualify for an Upstart loan, borrowers must be at least 18 years of age, be U.S. residents, and have a minimum credit score of 300. Borrowers must also have a DTI ratio not exceeding 50% (except rent/mortgage), no history of bankruptcy filing, and up to six credit inquiries within the past six months.
Ready to apply for an Upstart loan? All you need to do is complete a short form, answering basic questions about yourself, such as full name, contact information, income, employment status, and amount of money you have in savings. Once submitted, Upstart will initiate a soft pull, which does not affect your credit.
Other verification items needed include a picture I.D., pay stubs, bank statement, copy of college transcripts, and your most recent tax returns.
Upstart will immediately present your rates, terms, and conditions upon approval. Once approved, all funds are dispersed in as little as one business day.
Pros:
- Flexible Terms
- Soft Credit Checks
- Attractive to Limited Credit History Borrowers
Cons:
- High Origination Fee
- Higher Low-End Rates
The impact of COVID-19:
If you need to pause your loan payments because of the pandemic or due to other financial difficulties, you can submit an online request through Upstart’s website. In addition, you can also call the lender at 1-855-451-6753.
ZippyLoan
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SSL
No Credit Effect
Fees
- ZippyLoan does not charge a fee to use its loan-connecting service
- APR and loan costs are determined by the individual lender
- Interest rates, fees, and other loan costs vary based on the lender, state, loan amount, repayment term, and borrower information
- Late or missed payment fees may apply according to the lender's loan agreement
- There are no prepayment penalties for the typical personal loans described by ZippyLoan
Qualification Criteria
- Minimum age: 18
- Must be a U.S. resident
- Must have a regular source of income
- Must provide personal, income, employment, and banking information
- All credit types may be considered
- Credit history, income, and state of residence may affect eligibility
- The individual lender determines the final eligibility requirements
- Not available to residents of New York, West Virginia, or Oregon
- Not all applicants will qualify for a loan
Average Borrower Profile
- ZippyLoan does not publish a current average borrower profile
- The lender network serves borrowers with excellent, average, and poor credit
- Credit score is one factor considered by participating lenders
- Actual loan amount, APR, fees, and repayment terms depend on the lender and the borrower's qualifications
Best For
- Borrowers with poor or less-than-perfect credit looking for personal loan offers
ZippyLoan is an excellent choice for comparing quotes from hundreds of lenders on one platform. Affiliate lenders offer loans ranging from $100 to $15,000 with varying APRs and repayment terms from six to 72 months. It’s best for borrowers with low credit scores who need funds deposited to their accounts in as little as one business day.
As a middleman, ZippyLoan has no input on origination fees, funding speeds, or credit checks. All of that is determined by each lender on the platform.
Applying for a ZippyLoan is easy. First, complete its online application asking for your name, address, annual income, and employment information. All ZippyLoan borrowers must have a regular income source with no minimum credit score required.
From there, ZippyLoan will return a list of compatible lenders. Upon agreeing to loan terms, borrowers are prompted to e-sign the loan agreement with all deposited funds available in as little as one business day.
Pros:
- Soft credit inquiry
- No maximum credit score required
- Funds in as little as one business day
Cons:
- No assistance with loan payments
- Limited transparency on upfront APRs
The impact of COVID-19:
Although ZippyLoan doesn’t have any specific programs related to the coronavirus pandemic, you can apply for a hardship exemption. To do so, please contact a representative at 1-844-379-8621 or send an email to support@zippyloan.com.
PersonalLoans
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SSL
No Credit Effect
Fees
- Origination fees may apply depending on the lender or lending partner
- Fees and charges vary by lender or lending partner
- There is no fee to use PersonalLoans.com's loan-connecting service
- Prepayment terms and any applicable fees are determined by the lender or lending partner
Qualification Criteria
- Minimum age: 18
- Valid Social Security number required
- Must be a legal U.S. citizen or permanent resident
- Must have full-time employment, be self-employed, or receive regular disability or Social Security benefits
- Must have a valid checking account
- No minimum credit score is required to submit a loan request
- Typically, applicants should not have accounts more than 60 days late
- Typically, applicants should not have active or recent bankruptcies
- Typically, applicants should not have recently charged-off accounts
- Must meet the individual lender's eligibility requirements
Average Borrower Profile
- PersonalLoans.com does not publish a current average borrower profile
- The service accepts loan requests from consumers with various credit profiles
- Loan terms, APR, loan amount, and approval depend on the lender or lending partner
- Applicants with better credit may receive more favorable loan terms
Best For
- Borrowers with bad or less-than-perfect credit looking to compare potential personal loan offers
PersonalLoans.com is best for Wyoming residents looking to compare multiple lenders across all loan types, such as installment, peer-to-peer, and bank loans. Unlike Zippy, the addition of peer-to-peer and personal installment loans allows for greater flexibility with repayment.
PersonalLoans.com requires borrowers to have a minimum income of $2000 per month (peer-to-peer and personal installment loans) and higher ($3,000 per month) for bank loans. Loan terms and credit scores required vary by lender, so we appreciate the flexibility in choosing lenders based on credit requirements.
Other lending requirements for PersonalLoans.com borrowers include being at least 18 years of age with a checking account and a minimum credit score of 580 or higher for peer-to-peer/installment loans. In addition, required credit scores for banks may be much higher.
Loan amounts offered by PersonalLoans.com lenders range from as little as $1000 to $35,000, with repayment periods between 90 days and 72 months. As for origination fees, prepayment penalties, and late payment fees, all vary by lender.
Expect APRs on loans using PersonalLoans.com to vary between 5.99% to 35.99%. Some lenders may charge even higher rates, with all disclosures available at the time of application.
We appreciate PersonalLoans.com over others on the list thanks to solid low-range APRs (5.99%) available and various loans. However, only some lenders connect you with peer-to-peer lenders, which offer legit funding opportunities from verified individual investors.
Pros:
- Wide variety of loan types
- Availability of low APR peer-to-peer loans
- Low-income requirement ($2,000 per month)
Cons:
- Some lenders have APRs higher than 35.99%
- Hard credit score pull at the time of loan approval
- Lack of transparency with fees until loan offer received
The impact of COVID-19:
Since PersonalLoans is a comparison site, it doesn’t issue loans directly. Moreover, the lenders on PersonalLoans platform determine their deferral and forbearance policies independently. As a result, you need to contact your lender directly to determine the available options.
Prosper
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SSL
No Credit Effect
Fees:
- Origination fee of 1% – 9.99% may apply
- Origination fee is deducted from the loan proceeds
- No prepayment penalty
- Late payment fees may apply
- Insufficient funds fees may apply
- There are no upfront fees to apply
- Actual APR, fees, and loan terms depend on creditworthiness and other factors
Qualification Criteria:
- Minimum age: 18
- Must be a U.S. resident in a state where Prosper loans are available
- Must have a U.S. bank account
- Must have a valid Social Security number
- Minimum credit score of 640
- Credit history, income, monthly expenses, and other financial information may be considered
- Joint applications with a co-borrower are available
- Not all applicants will qualify
- Loan approval also requires sufficient investor commitments to fund the loan
Average Borrower Profile:
- The average APR for 3-year Prosper loans funded from January 1, 2026, through March 31, 2026, was 24.19%
- Prosper does not publish a current average borrower credit score
- Eligibility depends on financial history, credit score, monthly income, and monthly expenses
- The lowest rates are available to the most creditworthy borrowers
- Actual loan amount, APR, fees, and repayment terms depend on the applicant's qualifications
Best For
- Borrowers with fair-to-good credit looking for fixed-rate personal loans and debt-consolidation options
Like Zippy and PersonalLoans, Prosper appeals to Wyoming residents with fair and good credit borrowers with an intuitive peer-to-peer lending platform. However, it p[airs borrowers with lenders differently by using a proprietary rating system m to assign borrowers a score, which investors use to determine eligibility.
All Prosper borrowers must have a minimum credit score of 560 or higher. There is no minimum annual income requirement, but your max debt-to-income ratio must not exceed 50%.
Prosper offers eligible borrowers loan amounts of $2,000 to $50,000 with repayment terms of two to five years. APRs range from 6.99% – 35.99%. There are origination fees from 1 to 5% and late payment fees equally $15 or 5% of the monthly payment, whichever is higher. Insufficient funds will also see a small $15 fee.
For perspective, the average Prosper borrower has an average credit score of 685 with an average annual income of $86.000. The average loan amount and APRs are $10,445 and 18.9%, respectively.
One of the best things about Prosper is its quick funding, with all funds deposited to your account within one to three business days after loan approval. Another good thing about Prosper is its joint loan option, which allows two borrowers to apply for the same loan as joint applicants. This set helps increase your chances of obtaining a loan with more favorable APRs.
To be eligible for Prosper loans, you must be a U.S. citizen 18 years or older with a bank account and social security number.
Overall, Prosper is an excellent choice for people who want to take advantage of lower-than-average APRs and joint loan options with co-borrowers for greater borrowing power.
Pros:
- Soft credit inquiry
- Joint loan option
- Funding in one to three business days
- Generous loan range ($2,000 to $50,000)
Cons:
- Origination fees of up to 5%
- Small pay-by-mail fee ($5)
- No discounts for enrolling in autopay
Happy Money
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SSL
No Credit Effect
Fees
- Origination fee of 2% – 12% may apply
- The origination fee is deducted from the loan proceeds
- No application fee
- No early or extra payment fees
- No check processing fees
- No returned check fees
- No annual fees
- Lenders may charge late, bounced check, failed ACH, or other fees according to the loan agreement
- Actual APR and fees depend on credit score, loan amount, loan term, credit usage, credit history, and state of residence
Qualification Criteria
- Minimum age: 18
- Must have a valid Social Security number
- Must have a valid checking account
- Must meet Happy Money's lending partner credit-review and approval requirements
- Credit score, income, existing debt, credit usage, and credit history may be considered
- Checking your rate uses a soft credit inquiry and does not affect your credit score
- A hard credit inquiry may occur when the loan is issued
- Currently, loans are not offered in Iowa or Nevada
- Not all applicants will qualify
Average Borrower Profile
- Happy Money does not publish a current average borrower profile on its main personal-loan pages
- Rates and loan offers are based on the applicant's credit score, income, existing debt, credit usage, and credit history
- Borrowers with stronger qualifications may receive more favorable loan offers
- Actual loan amount, APR, fees, and repayment terms depend on the applicant's qualifications
Best For
- Borrowers looking to consolidate and pay off credit card debt with a fixed-rate personal loan
With more than $3 billion in personal loans awarded to date, HappyMoney is best for those interested in fixed-rate personal loans to consolidate credit card debt. In addition, combining all monthly credit card payments into a single monthly payment takes advantage of a lower annual percentage rate than each credit card, helping you save on interest fees.
Unlike ZippyLoans, HappyMoney has higher loan limits ($5000 to $40,000). APRs offered range from 7.99% – 29.99% with a 0 to 5% in origination fees and repayment terms of two to five years. Once your application is approved, funds are wired to your account in one to two business days.
One of our favorite benefits with HappyMoney is free monthly FICO credit scores. It’s an excellent way to monitor progress as you eventually bring your balance down to zero.
To apply for a HappyMoney loan, you need to be at least 18 years old with a valid Social Security number, valid checking account, minimum credit score of 640, max DTI ratio of 55%, and a minimum credit history of three years and two accounts.
Look to HappyMoney if you want to consolidate credit card debt with one fixed interest rate loan at a lower APR than each of your credit cards on their own.
Pros:
- Soft credit inquiry
- Quick, 1-2 funding time
- Direct payments to creditors
Cons:
- No secured loan options
- Higher than average origination fees (up to 5%)
The impact of COVID-19:
Happy Money has relief programs that can help borrowers dealing with COVID-19 disruptions or other means of financial hardship. To inquire about the available options, you can call Happy Money at 1-949-346-8740 or send an email to success@happymoney.com.
What Are The Best Banks and Credit Unions for Personal Loans in Wyoming?
Another excellent funding source for good and bad credit Wyoming residents is credit unions. Today, more than 70 local and regional banks and credit unions are in the state, vying to win your business with loans up to $100,000 with generous capped APRs of 18%.
Federally chartered credit unions in Wyoming also offer PALS I and PALs II payday alternative loans, which provide up to $2000 with a minimum of one month and a maximum of a 12-month term.
PenFed – Shoshoni, Casper, and Mills, WY
Check Rates
SSL
No Credit Effect
Fees
- No origination fees.
- No prepayment penalties.
- Late penalties apply.
Qualification Criteria
- Be at least 18 years of age.
- Have recurring employment income or government benefits.
- Become a PenFed member.
Best For
- Flexible repayment terms (6 months to 5 years).
With more than 2 million members, PenFed Credit Union is an excellent choice for Wyoming residents who prefer low APRs and no origination fees. When providing loans directly to consumers, applicants need a minimum credit score of 600 and be 18 years of age with U.S. citizenship and a social security number.
PenFed Credit Union offers borrowers personal loans of as little as $500 to $50,000 with repayment terms of 12 to 60 months. If you are a stickler for a good reputation, we’re happy to report that PenFed Credit Union has an A+ rating from the Better Business Bureau with favorable reviews throughout the Web touting its rate transparency and favorable terms.
One of our favorite things about PenFed Credit Union is its ease of signing up. To open a PenFed account, you only need to add a minimum of $5 to a savings account.
Other services PenFed Credit Union offers are joint and secured loan options using co-borrowers. Adding a co-borrower with a higher income/credit score will allow you to qualify for lower rate deals. In addition, you would share responsibility for paying back the loan. You can also use your PenFed share account to secure your loan, an excellent fallback if you cannot repay your loan.
In short, look to PenFed Credit Union if you are a Wyoming resident with good credit looking for favorable rates with more straightforward terms than the average credit union (e.g., no original or prepayment fees).
Pros:
- Easy to sign up
- Generous loan amount range
- Favorable debt-to-income ratio (below 55%)
Cons:
- Hard credit pull
- No option to co-sign
- Requires two-year minimum credit history
UniWyo – Laramie, WY
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SSL
No Credit Effect
Fees
- Loan origination fee of 0% – 5%
- There are no late payment fees
- There are no application fees
- There are no prepayment fees
Qualification Criteria
- Be at least 18 years of age
- Have a credit score of at least 550
- The maximum DTI ratio is often 43%
- Have recurring employment income or government benefits
- Have no current delinquencies
- Have a credit history of at least three years
- Fill out your information through Happy Money’s online portal
Average Borrower Profile
- Has a credit score of 710
- Has $2,000 in cash flow per month
- Has a DTI ratio of 40%
Best For
- A stable credit history
The third largest credit union in Wyoming, Laramie-based UniWyo Credit Union is an excellent choice for those looking for competitively low loan rates for debt consolidation. Lending rates for UniWyo personal loans start at 10.49% APR with lower rates available for auto loans (5.49% and fixed home equity (5.49%).
Military members are also eligible for a 0.25% APR discount on all new loans.
To qualify for a UniWyo Credit Union personal loan, you must have a minimum 580 credit score and be a U.S. citizen at least 18 years of age or older with a regular income.
Pros:
- Generous minimum credit score
- Low rates (starts at 10.49% APR)
- Easy to open a PenFed account
Cons:
- Hard inquiry
- No APR discounts for non-military members
Wells Fargo
Check Rates
SSL
No Credit Effect
Fees
- No origination fee
- No closing fee
- No prepayment penalty
- No application fee
- Late fees may apply
- A 0.25% relationship rate discount may be available with a qualifying Wells Fargo consumer checking account and Autopay
- Actual APR depends on credit history, loan amount, and loan term
- The lowest advertised rate assumes excellent credit history
- Only existing Wells Fargo customers can apply for a personal loan
Qualification Criteria
- Minimum age: 18
- Must be an existing Wells Fargo customer for at least 12 months
- Must meet Wells Fargo's credit approval requirements
- Must provide employment, income, and other requested information
- Credit history and ability to repay are considered
- Must meet applicable Wells Fargo eligibility requirements
- Not all applicants will qualify
Average Borrower Profile
- Wells Fargo does not publish a current average personal-loan borrower profile
- Credit history, loan amount, loan term, and other financial information are considered when determining the APR
- The lowest advertised APR assumes excellent credit history
- Actual loan amount, APR, fees, and repayment terms depend on the applicant's qualifications
Best For
- Existing Wells Fargo customers looking for large personal loans with competitive fixed rates
One of the largest banks in the country, Wells Fargo personal loans are best for those with good to excellent credit who need a high loan amount.
Wells Fargo offers loan amounts as high as $100,000 with competitive APRs starting at 5.99%. Repayment periods go from 12 to 60 months. We love that they do not charge any origination or early payoff fees. However, its funding lead time is a bit higher than online lenders, with deposits to your account taking up to four business days.
Although Wells Fargo does not directly disclose the required minimum credit score, expect the best rates if you have a credit score greater than 660.
One of the best parts about Wells Fargo personal loans is its 0.25% relationship discount, awaited to existing customers who enroll their consumer checking accounts in autopay.
To be eligible for a Wells Fargo personal loan, you must be 18 or older and a U.S. citizen/permanent resident with a social security number. It takes up to three business days to learn if you are approved for a loan or not, but many approvals occur within minutes.
Pros:
- Excellent APR range (5.99% – 19.99%)
- No origination or early repayment fees
- 0.25% “relationship discount” for checking account/autopay customers
Cons:
- Hard credit pull
- Higher than average $39 late fee
- Questionable customer service
The impact of COVID-19:
Wells Fargo offered payment deferrals to qualifying credit card, line of credit, auto, and personal loan borrowers. If you still need assistance, you can apply by calling Wells Fargo at 1-866-828-5047.
Best Personal Online Installment Loan Rates for Good Credit in Wyoming of August 2026
Here are our picks for the best personal loans for good credit in Wyoming:
Super Money
Prosper
Credible
Personal Loans
Lending Tree
Upgrade
Payoff
Discover Personal Loans
Freedom Plus
Best Personal Online Installment Loan Rates for Bad Credit in Wyoming of August 2026
Bad credit loans are offered to Wyoming residents with no or low credit scores. Unlike good credit loans, bad credit loans usually go towards the cost of repairs, medical bills, debt consolidation, and other unexpected expenses.
Although bad credit lenders have become more flexible in recent years, expect stricter monthly payment terms and longer loan approval wait times.
Here are our picks for the best personal loans for bad credit in Wyoming:
Zippy Loan
Upstart
Life Loans
Viva Loan
Next Day Personal Loan
Funds Joy
Super Money
Personal Loans
Best Debt Consolidation Loan Rates in Wyoming of August 2026
Wyoming residents can apply for good credit loans with credit scores of 690 or higher. Good credit borrowers enjoy low APRs, high loan amounts, and additional perks such as autopay discounts and co-borrower compatibility.
Here are our picks for the best debt consolidation loans in Wyoming:
Pending Point
Upstart
Zippy Loan
Next Day Personal Loan
SoFi
Super Money
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The Best Secured Loans in Wyoming
Secured loans are an excellent way to enjoy lower APRs, as low as 2%, and higher loan amounts of up to $2 million. This is because secured loans require putting up collateral, which lenders use to lower your risk profile.
Best Secured Loan Rates in Wyoming of August 2026
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OneMain Financial
Wells Fargo
Oportun
Pentagon Federal Credit Union
U.S. Bank
How to Find The Best Loans in Wyoming
Whether you are looking to consolidate debt, make a large purchase, or finance a home project, personal loans in Wyoming are an excellent way to get the funding you need.
Personal loans usually come in three types: payday, credit cards, and personal loans.
Payday loans offer outrageously high-interest rates upwards of 400% and often employ predatory practices. Plus, money is generally due within two weeks, with lenders reserving the right to withdraw funds directly from your bank accounts. In turn, credit cards have an average interest rate of 16%, whereas the average rate for a two-year personal loans clocks in around 9%.
Thanks to predatory practices by payday lenders, ElitePersonalFinance recommends avoiding them altogether. All providers listed on our website are legitimate personal loan companies.
Here are all the steps you should take to find the best personal loan in Wyoming.
Do the Math. Calculate all upfront costs early. For example, learn your lender’s origination fee, which is withdrawn from the amount you borrow. Also, find out what your monthly payment would be using a loan calculator. Good loan calculators allow you to simulate your payback periods in weeks or months.
Learn your Credit Score. On the low end, personal lenders look for a minimum credit score of 580. Then, visit a site like annualcreditreport.com to access a full credit report from the three major credit reporting bureaus – TransUnion, Experian, and Equifax.
Pulling your credit scores will allow you to check for discrepancies and escalate them if necessary. For example, even a simple contest of a charge could raise your score by 100 points or more.
Evaluate your Options. Use a site like ours to evaluate personal loans based on required or not required cosigners, secured versus unsecured, and who you want to borrow from. Do you prefer a traditional credit union or an online lender?
You can use our website to evaluate a minimum of five lenders and write down interest rates and repayment periods.
Shop for Lenders. Shopping around for different lenders allows you to compare lenders and interest rates. Compare traditional loans, credit unions, and online banks. Your current bank may work with you towards expedited applications, quick approval, and favorable rates and terms.
Our website provides Wyoming residents with hundreds of reputable lenders, complete with loan amount/APR ranges, minimum credit scores, and who it’s best for.
For example, Wyoming residents looking for the best installment loans with bad credit will discover Upstart offers loans from $1,000 to $59,000 with APRs ranging anywhere from 5.60% to 35.99%. Others, like Lending Club, TD Bank, and Happy Money, offer comparable loan amounts with slightly lower APRs (5.99% to 36%) with a required 600 minimum credit score.
Outside of these key metrics, our website also provides approval turnaround times, terms, fees, qualification criteria, average borrower profile, and pros/cons for each lender.
How to Qualify For The Best Loans in Wyoming
Qualifying for the best loans in Wyoming is relatively simple to understand.
Baseline requirements from all lenders require being 18 years of age or older with U.S. citizenship/permanent residency and a social security number.
Each lender sets its borrower requirements, which may be easy or difficult to achieve. For example, PenFed loans require PenFed membership (needing as little as $5 for a savings account) and a minimum credit history of two years with a debt-to-income ratio 55% or lower.
Remember, some loans are more challenging to get than others. For example, some lenders require a minimum annual income and minimum credit score of 660 for unsecured personal loans and lower credit scores for secured personal loans, which use collateral to reduce lender risk.
To learn how to qualify for the best loans in Wyoming, we encourage you to review our reviews, which state all lending requirements by provider.
How to Apply for the Best Loans in Wyoming
For an online lender, bank, or credit union, expect a straightforward process when applying for the best loans in Wyoming.
For starters, shop around and gather quotes from multiple lenders. Be sure to jot down loan amounts, APRs, monthly payments, loan terms, and any fees and penalties. Confirm if your interest rates are fixed versus variable and the loan is unsecured or secured.
Once you’ve shopped around for a loan, gather all of your documentation. Each loan provider will ask for one or more of a combination of proof of identity, income, and address.
From there, seek pre-qualification or pre-approval. Pre-qualification usually requires prospective borrowers to complete a short online form asking for their name, address, annual income, and desired loan amount.
Once you have completed the pre-qualification process, you should expect to receive a pre-approval letter which may request additional supporting documentation, such as pay stubs, W-2 forms, and housing costs.
Once all supporting documentation is submitted, expect to close your loan in anywhere from one to seven business days, depending on the lender. Typical approval times for banks, credit unions, and online direct lenders are also one to seven business days.
Average Credit Score in Wyoming
According to Experian’s 2020 Consumer Credit Review, the average FICO score in Wyoming was 719 in 2020 and 722 in 2021.
The +3 increase in credit scores from 2021 to 2021 in Wyoming follows a nationwide trend of steadily rising credit scores, with the average U.S. credit score hitting a record high of 714. However, the average U.S. debt balance ($96,371) saw a 3.9% increase over the prior year, accounting for auto, mortgage, personal, and student loan balances.
Using FICOs own score rating categories, a 680 credit score is considered “fair” relative to higher scoring —740-799 (“very good”) and 800-850 (“exceptional).
The states with the highest credit scores include Vermont, Wisconsin, New Hampshire, Washington, North Dakota, South Dakota, Massachusetts, Nebraska, and Oregon.
The states with the lowest credit scores are Louisiana, Alabama, Oklahoma, Texas, Georgia, Arkansas, South Carolina, New Mexico, and West Virginia.
Despite Wyoming’s above-average credit score, the Bureau of Consumer Financial Protection’s Community Credit Profile report cites one out of every five Wyoming adults with limited credit histories.
Reporting further breaks down percentages by credit file, with roughly 11.2% of Wyoming adults having no credit file, 4.4% with a thin credit file (less than five credit accounts on record, 4.3% with a stale credit file (borrowers lacking recent activity), and 80.1% with a current, active credit file with five or more creditors on record.
Average Personal Loan Debt in Wyoming
Debt states for Wyoming residents vary depending on the type of debt.
According to Experian, Wyoming residents’ average personal loan balance was $24,421 in 2020 and $26,413 for a year-over-year +8.2% change. Only two states saw higher year-over-year percentage changes, the District of Columbia (+17%) and New Mexico (+9.1%), putting Wyoming in dubious territory.
By generation (nationally), Generation Z saw the highest percentage change (+10.9%), followed by Millenials (9%), Generation X (+6.7%), Baby Boomers (+3.4%), and the Silent Generation (1.2%).
Other types of debt to consider are federal and private student loan debts. According to Lending Tree, Wyoming residents have an average federal and private student loan balance of $29,315, significantly lower than the national average of $36,689. This balance places Wyoming squarely in 49th place, with federal private student loan debt the highest (not surprisingly) in the District of Columbia ($52,049).
Frequently Asked Questions
What can I not use my personal loan for in Wyoming?
Generally, personal loans are not tapped for larger purchases, such as real estate, investments, and college tuition. Instead, consider it more of an option for medical emergencies, unplanned vacations, home renovations, and other shorter-term projects and events.
Can I get a Wyoming personal loan with 550?
Yes! Many lenders are willing to offer personal loans in exchange for a subprime 550 credit score. However, they generally come with less flexible terms, such as a required co-signer with a higher income and credit score. However, not all hope is lost if you decide to apply on your own. Secured personal loans are an excellent choice, using collateral to make you less of a risk to the lender.
What is the minimum salary to obtain a personal loan in Wyoming?
Income requirements depend on the lender. Instead of providing an annual income, many lenders ask that you adhere to a debt-to-income ratio of 55% or less. In their eyes, the lower the percentage, the higher the likelihood you will be able to repay the loan back.
How We Pick These Lenders?
To select the best lenders, we perform exhaustive research process, pouring through the fine print from hundreds of online lenders, banks, credit unions, and other funding sources. They are chosen on the strength of APRs, loan amounts, repayment periods, lending structure, and online reviews. No predatory lenders here!
Our lender recommendations also factor in state-specific consumer behavior and average credit scores. For example, Wyoming residents enjoying a higher-than-average credit score (722), so our recommendations also include a nice mix of banks and credit unions which historically have offered lower APRs over online lenders.
The team at ElitePersonalFinance provides only the latest, up-to-date non-biased reviews on highly competitive lending products and services. If you have any feedback or suggestions, we’d love to hear from you!
Send us an email at info@www.elitepersonalfinance.com, and we’ll get back to you as soon as possible.
Conclusion
Wyoming residents have no shortage of reputable funding sources to secure money for their next project. Whether it is for a home renovation, an impromptu wedding, emergency medical services, or something similar, ElitePersonalFinance is ready to lend a hand in selecting your best Wyoming personal loan options.
