Fair to Bad Credit Loans in WY

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Last updated October 14th 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Wyoming Applicants
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Wyoming Usury and Regulations

Summary of Wyoming Usury Law(s) / Quote: "Legal: 7% / Contract: As per Wyoming UCC / Judgment: Contract rate or 10% / Corporate: Rate not specific"

(WeFindLenders.com endeavors to include the most up to date legal data for Wyoming, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in Wyoming, and/or contact the Wyoming State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits)

Wyoming Usury Law Information:

Legal Maximum Interest Rates: Quote: "Legal interest rate of 7% (40-14-106(e))"

Usury Penalties: See title 40 of Wyoming Uniform Consumer Credit Codes for latest updates

Judgment Interest Rates: Quote: "10% unless otherwise agreed (1-16-102(a)); no interest on late child support or maintenance payments (1-6-102(c))"

Legal Exceptions: Quote: "Extensions of credit to government or government agencies; credit sales, loans or leases for agricultural purposes (40-14-121)"

Wyoming Lenders By City

Cheyenne WY / Casper WY / Gillette WY / Laramie WY / Rock Springs WY / Sheridan WY / Green River WY / Evanston WY

Complaints to:

Wyoming Division of Banking / Wyoming Complaint Process

Physical Address: Wyoming Division of Banking / Herschler Building, 3rd Floor West, 122 West 25th Street, Cheyenne, WY 82002 / Phone: 307.777.7797 Fax: 307.777.3555 / Email: wyomingbankingdivision@wyo.gov

Wyoming Lender Service Areas Map

Wyoming Bad Credit Lenders Map - Initial Static Image

Click or tap map image above for interactive version.
Lenders
contact us for listing removal or amendment.


Blue Federal Credit Union
114 E 7th Ave Cheyenne
WY 82001 - www.bluefcu.com
800.368.9328

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First Cheyenne Federal Credit Union
3485 Converse Ave, Cheyenne
WY 82001 - firstcheyenne.com
307.632.8111

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First Education FCU
120 W Carlson St, Cheyenne
WY 82009 - 307.432.7400
www.firstedfcu.com

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Wyo Central Federal Credit Union
190 S David St, Casper
WY 82601 - www.wyocentral.org
307.234.5401

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WYHY Federal Credit Union
1521 Centennial Hills Blvd, Casper
WY 82609 - www.wyhy.org
307.234.2373

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Greater Wyoming FCU
155 W Collins Dr, Casper
WY 82601 - 307.234.5662
www.greaterwyomingfcu.com

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Campco Federal Credit Union
1110 E Boxelder Rd, Gillette
WY 82716 - www.campcofcu.com
307.682.6105

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High Mark Federal Credit Union
Silverado Shopping Center, 1103 E
Boxelder Rd #3Jb, Gillette
WY 82718 - 307.696.6032

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Sweetwater Federal Credit Union
2611 Foothill Blvd, Rock Springs
WY 82901 - 307.382.2227
www.sweetwaterfcu.coop

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Meridian Trust Federal Credit Union
601 College Drive Rock Springs
WY 82901 - 307.635.7878
www.meridiantrustfcu.org

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Trona Valley Federal Credit Union
200 7th Street, Mountain View
WY 82939 - tronavalley.com
307.782.7100

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High Peaks Federal Credit
Sheridan, MT 59749 - 406.842.5372
www.highpeaksfcu.com

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Bad Credit Loan Form for Wyoming

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

 

Bad Credit Loan Example In Wyoming

Rodger got out of the military over eight months ago and found it difficult to find a good paying job. He worked at a number of part time jobs, just to make some money and try to pay the bills.

His wife works full time which was a blessing and the entire family including the kids have all cut back on their expenses to try and reduce their expenses.

They made a number of mistakes with payments on credit cards and utilities. The result was that his credit report received a number of reports about late payments and missed payments. These reports contributed to a decline in his credit score.

Between credit card debt, car loan and personal family loans, Rodger needs a $30k loan to consolidate all of his debt. He would like an eight year term and an interest rate that keeps his payment as low as possible.

Rodger is aware that it may be difficult to obtain a loan given his bad credit score. He wants to remind the lenders that he is a veteran who served his country.

He worked all kinds of jobs to stay afloat and he now has a job that pays just as well as his military job did when he was enlisted. A huge benefit of this new job is that he also receives health benefits with a low deductible which is a huge issue for him and his family.

He needs a $30k loan with an eight year term to consolidate all of his debt into one easy payment per month.

A $30000 loan with an eight year term and 3.79% interest rate for Rodger would cost him the following per month:

• Loan Amount (principal) = $30000
• Interest Rate = 3.79%
• Term Length =8 year
• Monthly Payment = $362.75
• Total Paid Back = $34824.46
• Total Interest = $4824.46

Rodger left the military earlier than he planned and it took him awhile to find another job. He admits that he made some mistakes financially and now is paying the price with a bad credit rating.

He has caught up on all of his payments and is now current on all utilities and loans. This includes what he owes to other family members. He wants to consolidate everything into one loan and fully repay his relatives as well.

He has provided documentation showing his military career and documentation showing his salary and benefits for his new job. While he has only been at this job for two weeks, this is a huge change for him and his family.

They will be able to afford things again and recover from the financial nightmare that overtook them when he left the military.

While he has a bad credit rating, there are programs to help military veterans with loans.

Combined with his record of catching up on all payments, it is quite likely that Rodger will find a lender willing to provide him with the funds he needs.

This is a large personal loan for Rodger to take on. Both he and his wife will be asked to be registered on this loan making them both liable to repay the loan.

If you live in the State of Wyoming and you're struggling to get a loan approval with a bad credit rating we hope our website helps you in some way.

Sincerely,

Chris Somerset

Chris Somerset is the daughter of Lance Somerset who founded the We Find Lenders Pool. She contributes to WeFindLenders.com whenever she's not having fun with her three children and her husband Ron.

Debt Consolidation Loans in WY

Last 5 debt service loans approved in the State of Wyoming. Source: WFL Lender Pool. Updated Weekly. Principals rounded to the nearest $1000. Relative interest rates listed below in order left to right.

$12000 $10000 $70000 $6000 $15000

15.37% 8.03% 8.64% 5.75% 13.12%

Wyoming Debt Consolidation Providers

Wyoming Debt Consolidation Loan Providers - Initial Static Image

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Lenders
contact us for listing removal or amendment.


Wyoming Debt Consolidation
Cheyenne WY 82001
307.634.5080

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Debt Hero Credit Card Consolidation
7000 Yellowtail Rd, Cheyenne
WY 82001 - 844.861.7292

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Campco Federal Credit Union
1110 E Boxelder Rd, Gillette
WY 82716 - www.campcofcu.com
307.682.6105

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High Mark Federal Credit Union
1103 E Boxelder Rd #3JB
Gillette - WY 82718
307.696.6032

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River-Rail Community FCU
400 N 6th St #2, Greybull
WY 82426 - 307.765.2852
www.river-rail.com

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Trona Valley Federal Credit Union
236 Harrison Dr, Evanston
WY 82930 - www.tronavalley.com
307.789.3900

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Campco Federal Credit Union
1110 E Boxelder Rd, Gillette
WY 82716 - www.campcofcu.com
307.682.6105

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UniWyo Federal Credit Union
2020 Grand Ave, Laramie
WY 82072 - www.uniwyo.com
307.721.5600

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Sheridan Community FCU
141 S Gould St, Sheridan
WY 82801 - 307.672.3445
www.sheridancreditunion.com

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Sunlight Federal Credit Union
1429 Big Horn Ave, Worland
WY 82401 - 307.347.8315
www.sunlightfcu.org

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Reliant Federal Credit Union
4015 Plaza Drive Casper
WY 82604 - www.reliantfcu.com
307.436.2566

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Families First Federal CU
770 E Collins Drive, Casper
WY 82601 - 307.265.1779
www.familiesfirstfcu.com

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WY Debt Consolidation Application Form

Wyoming Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Consolidation Loans In Wyoming

For a debt consolidation loan in Wyoming there is a list of providers above that range from credit unions, banks, debt relief companies, and debt settlement comapanies. These are different services. Most people who visit our site are looking for a strait up unsecured loan to pay of existing creditors. Some are successful using one of the providers listed above, and those with poor credit are more successful submitting a pre-app above using our service directly. If you are not successful getting approved for an unsecured loan to consolidate debt then you may have to look into a debt settlement program (A.K.A - debt relief)

Consolidation Loan Example in Wyoming

Stuart, like many consumers got behind on his monthly payments on a small personal loan and on two credit cards that he has in his name.

He would like a debt consolidation loan that he would pay over a period of three years. In total he needs $9000 and he knows that he is going to have a difficult time finding a lender willing to approve a loan for him.

Not only is he behind on his monthly payments, his credit score is pretty much at rock bottom.

His credit score is low due to the reports of missed payments, a bankruptcy about five years ago and his credit utilization is almost at 100%.

He is getting close to the same situation he was in five years ago and he knows how long it takes to recover your credit rating when bankruptcy is declared.

It can take up to 7 years for a bankruptcy report to be removed and at least two years for late payment reports to be removed.

He is desperate to avoid another one, yet he cannot seem to manage his money in a way to avoid financial problems.

He has even thought of going to a payday loan vender for help, but once he saw the high interest rate and fees they charge, he decided against that solution.

Stuart would just like to consolidate his loan and credit card debt and then focus on repaying it over a three year term.

His monthly payments would be less than he is currently paying and he would reduce his total interest cost as well.

A $9000 loan with a 3 year term 9.13% interest rate for Stuart would cost him the following per month:

• Loan Amount (principal) = $9000
• Interest Rate = 9.13%
• Term Length = 3 year
• Monthly Payment = $286.74
• Total Paid Back = $10322.73
• Total Interest = $1322.73

Stuart is facing the same issue that many low income consumers face.

They want the good life and they want to be able to enjoy things the same as everyone else.

When they lose control of their finances, they lose their credit score and it ends up costing them even more money to deal with loans and credit card balances.

He does make sufficient income to cover this loan and his other expenses. His big problem is his credit score and in particular the bankruptcy he declared a few years ago.

This is a big warning sign for many lenders. Even with his good intentions, many lenders will avoid taking a risk with Stuart in his present financial situation.

Stuart would need to have something to offer as security for the loan, such as a car perhaps, his home if he owns one or someone willing to co-sign the loan with him.

Any of these solutions could be used to help Stuart be approved for the loan he would like. If he can repay this loan on time, avoid late payments and keep a zero balance on his credit card, his credit score should improve making it easier to obtain loans in the future.

If you live in the State of Wyoming and you're trying to get approved for a debt consolidation loan, we hope our website helps you find a good lender regardless of your credit rating.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

Credit Counseling Services In WY

Wyoming Credit Counseling Providers - Initial Static Image

Click or tap map image above for interactive version.
Counselors
contact us for listing removal or amendment.

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New Leaf Financial
1712 Pioneer Ave Cheyenne
WY 82001 - newleafusa.com
307.213.9272

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GreenPath Financial Wellness
2232 Dell Range Blvd #316, Cheyenne
WY 82009 - www.greenpath.com
307.922.0887

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Kaydem Credit Help
1620 Central Ave, Cheyenne
WY 82001 - 866.237.0013
kaydemcredithelp.com

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

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