Cheyenne, WY · West · Allowed
Payday loans in Cheyenne
Cheyenne is governed by Wyoming's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Wyoming. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Cheyenne
64,019 residents · Laramie County Median household income is $58,219 — below the Wyoming median of $58,497.
2 storefront locations of 2 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 3709 E Lincoln Way Ste E8, 82001 | (307) 632-0389 | Mon 10:00 AM - 6:00 PM · hours vary |
| Opportunity Business Loans Installment Loans | Cheyenne, 82001 | (307) 522-1682 | Hours not listed |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Wyoming page before visiting. Spot an error? Report it.
The online route in Cheyenne
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Wyoming follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Wyoming regulator.
The rules behind the numbers
Post-dated check loans are high-cost short-term transactions designed for immediate cash requirements.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 521% APR. Every compliant lender in Cheyenne has to fit inside that schedule.
Statute: Wyo. Stat. Ann. § 40-14-362 et seq.
Regulator: Wyoming Division of Banking · wyomingbankingdivision.wyo.gov
Questions people ask in Cheyenne
Are payday loans legal in Cheyenne, WY?
Yes. Storefront payday lending is permitted across Wyoming, and Cheyenne runs under the same state rules: maximum loan No fixed dollar cap, fees capped at Greater of $30 or 20% of principal per month ($20 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Cheyenne?
The same as anywhere in Wyoming: state law sets the schedule. On a typical $300 loan the finance charge is about $60 — $360 repaid at the end of the standard term.
Which lenders have stores in Cheyenne?
2 storefronts are listed in Cheyenne in our 2022-02-20 directory snapshot (2 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Cheyenne?
Complaints about a lender go to the Wyoming Division of Banking (wyomingbankingdivision.wyo.gov) — keep the loan agreement and every fee disclosure you were given.