Best Personal Loans in for Good and Bad Credit Wyoming of October 2024
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.
| Lender: | Loan Amount: | APR: | Min. Credit Score: | Best For: |
|---|---|---|---|---|
| Upstart | $1,000 – $50,000 | 4.6% – 35.99% | 300 | Low credit scores, high DTI ratios |
| ZippyLoan | $100 – $15,000 | 12.00% – 35.99% | 0 | Bad or no credit |
| PersonalLoans | $1,000 – $35,000 | 5.99% – 35.99% | 580 | Short and long-term personal loans |
| Prosper | $2,000 – $40,000 | 7.95% – 35.99% | 640 | Obtaining multiple personal loans |
| Happy Money | $5,000 – $40,000 | 5.99% – 24.99% | 550 | A stable credit history |
| PenFed | add | add | add | add |
| UniWyo | add | add | add | add |
| Wells Fargo | $3,000 – $100,000 | 5.74% – 19.99% | 660 | Wells Fargo customers |
Those who want to find all loans in one place can visit our marketplace:
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@elitepersonalfinance.com — lend a hand!
Best Personal Lenders in Wyoming of October 2024
Here are the best lenders in October 2024. 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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| Loan Amount: | $1,000 – $50,000 |
| APR: | 4.6% – 35.99% |
| Min. Credit Score: | 300 |
| Approval: | 1 – 7 Days |
| Terms: | 3 – 5 Years |
| Fees: |
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| Qualification Criteria: |
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| Average Borrower Profile: |
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| Best For: | Low credit scores, high DTI ratios |
| Check rates | |
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 $9136 and will make 60 monthly payments of $257. APR is calculated based on 5-year rates offered in March 2023. 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