5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Wyoming

We have found 111 personal loans in Wyoming. Compare and choose the best loan for your purpose.

By Myfin Team
Updated June 20, 2024
Showing 111 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
Check rates
On partner's site
APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$1,500 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

See OneMain Financial full product review
Check rates
On partner's site
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
Search for best loan
Showing 111 personal loans
Amount
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  • Wyoming
Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Wyoming

Showing 5 banks
Sort by: Branches
Branches 23 bank branches
Total Assets (US$M)94,491,881
Cheyenne - Downtown Branch
1800 Carey Avenue, Cheyenne, WY, 82001
Cheyenne East Branch
2200 East Lincolnway, Cheyenne, WY, 82001
Cheyenne North Branch
1515 Dell Range Blvd, Cheyenne, WY, 82009
Show all departments
Branches 18 bank branches
Total Assets (US$M)1,712,535,000
Cheyenne Downtown
1701 Capitol Ave, Cheyenne, WY, 82001
Thursday: 9:00 AM - 5:00 PM
Cheyenne East
3600 E Pershing Blvd, Cheyenne, WY, 82001
Thursday: 9:00 AM - 5:00 PM
Laramie
2127 E Grand Ave, Laramie, WY, 82070
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 17 bank branches
Total Assets (US$M)26,666,056
Wheatland Branch
1405 Sixteenth Street, Wheatland, WY, 82201
Guernsey Branch
250 West Whalen, Guernsey, WY, 82214
Torrington Branch
1410 E. Valley Highway 26, Torrington, WY, 82240
Show all departments
Branches 14 bank branches
Total Assets (US$M)582,252,757
Cheyenne - Downtown Branch
2020 Carey Ave, Cheyenne, WY, 82001-3617
Cheyenne - Frontier Branch
1437 Prairie Ave, Cheyenne, WY, 82009-4839
Thursday: 9:30 AM - 4:00 PM
Laramie Branch
568 N 3Rd St, Laramie, WY, 82072-3022
Show all departments
Branches 14 bank branches
Total Assets (US$M)31,970,444
Cheyenne Main Branch
401 West 19Th Street, Cheyenne, WY, 82001
Cheyenne Dell Range Branch
4612 Rue Terre, Cheyenne, WY, 82009
Laramie Branch
221 E Ivinson Ave, Laramie, WY, 82070
Show all departments

How to choose the best personal loan in Wyoming?

Personal loans can serve as a valuable tool for filling financial gaps and strengthening your budget. When used responsibly, they provide flexibility and contribute to your overall financial well-being. Selecting the right personal loan in Wyoming is crucial, and the following strategies can guide you in making an informed choice.

Annual Percentage Rates (APR)

When evaluating loan options, it is crucial to pay significant attention to the Annual Percentage Rate (APR) as it offers a comprehensive perspective on the total cost of the loan, including associated fees. Comparing APRs, instead of solely focusing on interest rates, allows you to pinpoint the loan with the most favorable and cost-effective terms over the long term. In Wyoming, the APR typically ranges from 4.49% to 36%.

Loan Amount

Research various loan amount options and select a lender that offers a suitable loan size for your needs. In Wyoming, loans are available from $100 to $500,000.

Monthly Payments

Ensure that the monthly payment aligns comfortably with your budget. It's important to be able to cover your regular expenses while meeting loan repayment obligations, including interest.

Credit Requirements

While lenders typically have a preference for borrowers with credit scores in the range of good to excellent (670 or higher), it's important to recognize that certain lenders may still evaluate applicants with poor to fair credit. Although a higher credit score can enhance your chances of approval, it doesn't automatically ensure a more advantageous interest rate. In Wyoming, the minimum acceptable credit score is classified as «Poor» (300 - 579).

Collateral

Most personal loans are unsecured, meaning they do not require collateral. However, some loans may require collateral. Secured loans generally offer lower interest rates as the lender faces less risk with collateral in place. Unsecured loans, on the other hand, typically come with higher interest rates. If you're concerned about high interest rates (which can reach up to 36% in Wyoming), a secured personal loan might be a suitable option.

Origination Fee

A number of lenders impose processing fees in addition to the interest charges. The loan origination fee, usually calculated as a percentage of the total loan amount, can differ from one lender to another. Choose a personal loan that comes with lower processing fees to achieve long-term cost savings. Typically, the standard loan origination fee falls within the range of 0.5% to 1% of the loan amount.

Compare and choose the best personal loan in Wyoming

Our side-by-side analysis will assist you in selecting a loan that offers favorable terms for your financial situation:

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
OneMain Financial
18 - 35.99%$1,500 - $20,0002 - 5 years$25 - $500From Poor (300-579) to Excellent (740-799)Check rates
On partner's site

5 simple tips for increasing personal loan approval odds in Wyoming

To enhance your chances of obtaining approval for a personal loan in Wyoming, consider implementing these five straightforward tips:

  1. Enhance Your Credit. Work on boosting your credit score to increase your chances of approval. While the minimum acceptable credit score in Wyoming is categorized as «Poor» (300 - 579), having a higher credit score improves your approval odds. Focus on making timely debt payments, maintaining a low credit utilization ratio, minimizing credit applications, and disputing any errors on your credit report.
  2. Increase Your Income. Lenders assess your debt-to-income ratio during the approval process. Expanding your income can enhance your approval chances. Explore the possibility of negotiating a raise at your current job or seeking part-time employment to supplement your earnings. A higher income reduces your debt-to-income ratio, making you a more appealing candidate for loan approval.
  3. Limit New Debt. While searching for a personal loan, refrain from accumulating additional debt. Lenders view new debt as a risk factor, so paying off existing debts and avoiding new ones demonstrates financial stability and boosts your chances of loan approval.
  4. Request Realistic Loan Amounts. Be mindful of the loan amount you request, as larger sums carry higher risks for lenders. While the maximum loan amount available in Wyoming is $500,000, obtaining such a large loan can be challenging. Lenders are more inclined to approve smaller loan amounts as they pose lower risk. Evaluate your exact funding needs and request the minimum amount required. In Wyoming, the minimum loan amount is $100.
  5. Consider a Joint Applicant. Explore the option of applying with a joint applicant or finding a co-signer. Lenders consider both the credit scores and incomes of joint applicants, thereby increasing the chances of approval. However, choose a joint applicant or co-signer whom you trust, as your financial matters will become interconnected.

Conclusion

In summary, comprehensive preparation and taking proactive steps significantly increase your chances of securing approval for a personal loan in Wyoming. By implementing all of our strategies, you can select a loan that perfectly matches your financial requirements and goals.

FAQ

What is the highest interest rate on a personal loan in Wyoming?

The highest interest rate on personal loan in Wyoming is 36%.

What is the biggest loan amount in Wyoming?

The biggest personal loan amount in Wyoming is $500,000.

What credit score do I need to have to get a personal loan in Wyoming?

To get approved for a personal loan in Wyoming you need to have at least a Poor (300-579) credit score.
Myfin TeamMyfin Team

Author, editor

content@myfin.us