Laramie, WY · West · Allowed
Payday loans in Laramie
Laramie 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 Laramie
32,382 residents · Albany County Median household income is $39,371 — below the Wyoming median of $58,497.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Advance America | Cheyenne 42 mi | (307) 632-0389 |
| Opportunity Business Loans | Cheyenne 42 mi | (307) 522-1682 |
| ACE Cash Express | Fort Collins 57 mi | (970) 266-1092 |
| Advance America | Loveland 69 mi | (970) 962-9196 |
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 Laramie
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 Laramie 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 Laramie
Are payday loans legal in Laramie, WY?
Yes. Storefront payday lending is permitted across Wyoming, and Laramie 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 Laramie?
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 Laramie?
Our 2022-02-20 directory snapshot lists no storefront lenders in Laramie — the closest listed locations are in Cheyenne, Fort Collins, Loveland.
Who regulates lenders in Laramie?
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.