If you’re struggling to make ends meet between paychecks, taking out a payday loan online might be the best way to fix your situation. A payday loan is a loan taken out with a higher-than-normal interest rate that gets paid back when you receive your next paycheck. Payday loans can help you keep the lights on or make your car payment on time in a pinch.
However, if you’re not careful, payday loans can quickly make your financial status sink rather than swim. In Wyoming, payday loans are legal, and there is no maximum loan amount or maximum amount of loans a person can take out at a time. There are, however, restrictions on the amount of time you have to repay a loan.
If you need financial assistance, applying for online payday loans in Wyoming may be the key to helping you stay on track financially. We’ve taken the liberty of finding the best online payday loans in Wyoming so you can choose which institution to trust.
Table of Contents
- The 10 Best Online Payday Loans in Wyoming
- 1. Check Into Cash
- 2. Ace Cash Express
- 3. Check City
- 4. Rise Credit
- 5. Cash Net USA
- 6. OppLoans
- 7. 1 First Cash Advance
- 8. Advance America
- 9. DLL Green Finance
- 10. 12M Loans
The 10 Best Online Payday Loans in Wyoming
Taking out an online payday loan can be a double-edged sword. However, if you find the right lender, the process can be relatively painless and not land you in more debt. Finding an honest, regulated lender will make sure you’re taking out the best online payday loans in Wyoming.
In Tennessee in 1993, Allan Jones founded the financial services retailer Check Into Cash. He is often regarded as the payday lending industry’s father because he created the first national payday lending chain.
Check Into Cash is a founding member of the Community Financial Services Association of America (CFSA), responsible for preserving access to credit options, protecting consumers, and encouraging responsible practices in the short-term loan industry by promoting supporting laws and regulations.
Check Into Cash is one of the largest payday loan companies in the United States and has over 1,200 locations worldwide. Unlike most other payday loan companies, Check Into Cash will check applicants’ credit by doing a hard credit pull with each application. Hard credit checks do show up on your credit history and may affect your credit score.
Another downside to using Check Into Cash for your online payday loans in Wyoming is that their APR fees range from 153% to 1042%, and they do not offer any longer-term options. However, Check Into Cash stands out amongst your other choices of online short-term loans in Wyoming because they have an easy and short application process. They can connect customers to funds in as little as one business day.
VIDEO: How Do Check Into Cash Online Payday Loans Work In Wyoming?
Ace Cash Express is based out of Texas and has been offering financial services since its opening in 1968. Ace Cash Express is the largest owner-operator of check cashing stores in the United States and is also one of the country’s largest payday lenders. They have served more than 38 million customers.
Ace Cash Express’s mission is to help provide access to customers looking for immediate, convenient alternative financial services outside of the traditional banking system. However, Ace Cash Express has run into some legal trouble in recent years.
In 2014, the Consumer Financial Protection Bureau (CFPB) found that Ace Cash Express pushed payday borrowers into a cycle of debt using illegal debt collection tactics such as harassment and false threats to create a false sense of urgency.
The CFPB ordered Ace Cash Express to stop using all deceptive collection practices and to pay $5 million in customer refunds, as well as pay a $5 million fee to CFPB’s Civil Penalty Fund. Since 2014, Ace Cash Express no longer uses unfair or deceptive collection tactics.
Aside from their previous actions, Ace Cash Express makes it easy for customers to apply for online payday loans in Wyoming. Ace Cash Express’s application process only takes a few minutes to complete, and customers can receive funds in their accounts in as little as one to two business days upon approval.
VIDEO: Ace Cash Express Video Review
3. Check City
In 1986, the online payday loan company Check City was founded. Check City makes it easy for borrowers to apply for online payday loans in Wyoming using their one-step process. This allows customers to submit their information using one webpage, unlike most online lenders who force customers to scroll through several web pages just to fill out an application.
Check City customers can get approved within minutes and receive loan funds automatically in their account by the next business day. Check City can also enroll customers for automatic payments to ensure that their loan funds are debited out of their account and paid on time. Using Check City for your online short-term loans in Wyoming may have a few disadvantages.
For example, Check City’s annual percentage rates and fees tend to be higher than other similar online lenders. Check City’s rates usually range from 214.71% to 1173.21%, but they may also charge loan fees, late fees, and additional verification fees for their online payday loans.
Still, in their 29 years in business, Check City has garnered an overwhelming reputation for helping customers receive the financial help they need, which their countless positive customer reviews can back.
VIDEO: How To Get A Payday Loan In Wyoming Through Check City
4. Rise Credit
Another online lender based out of Texas is Rise Credit. They offer online installment loans in Wyoming and can approve customers’ applications within just a few minutes. With Rise Credit, approved customers can receive loan funds within one business day. Rise Credit reports customers’ payments to Experian and TransUnion and also offers customers free credit score access.
Rise Credit also offers several financial education features to customers and may qualify some consumers for reduced rates through subsequent loans or refinancing. A few downsides to using Rise Credit for your online payday loans in Wyoming is that they have higher rates than other similar lenders and do not offer an option to pre-qualify.
To apply for a loan with Rise Credit, you also have to have a regular income or job source. It may also be worth noting that Rise Credit had a lawsuit filed against them in June 2020 that alleged that they inaccurately communicated interest rates to customers using misleading marketing efforts and that the interest rates they lent money at were above the mandated maximum allowed.
Still, Rise Credit may be a great option for anyone looking for online short-term loans in Wyoming. It is important to remember that overall, Rise Credit loans are designed for customers with bad credit that cannot get loans through traditional online lenders and that Rise Credit loans are a great option for those who find themselves in an emergency that needs money fast.
VIDEO: Rise Credit Payday Loan Review
5. Cash Net USA
CashNetUSA is an online lender that has helped over 4 million customers receive emergency funds since its opening in 2004. With CashNetUSA, your information is protected by high-grade security software companies like McAfee SECURE and Norton Secured, so you will not have to worry about your data being shared with other companies.
CashNetUSA helps provide customers with free access to financial education courses and financial assistance tools, as well as free discount coupons that can help them save and budget their money. CashNetUSA determines your eligibility for online payday loans in Wyoming using more than just your credit score.
CashNetUSA also takes your other information and credit scores into account when you apply for their online personal loans. Plus you may be more likely to get approved with CashNetUSA’s custom alternative credit check on your application than with other similar online lenders. One downside to using CashNetUSA payday loans is that the annual percentage rates tend to be higher than other online lenders.
However, CashNetUSA is still one of the lenders you can use to apply for online payday loans in Wyoming because they make it easy to apply and customers usually receive loan funds the same day, if not by the next business day. To apply for an online payday loan with CashNetUSA, customers just have to have a checking account, verifiable income, and be U.S. residents or permanent citizens.
VIDEO: CashNetUSA Review
OppLoans is a lending company that specializes in offering unsecured payday loans to borrowers. They have been based out of Chicago for the last 12 years. OppLoans makes it easy for borrowers to apply for online installment loans in Wyoming with their friendly, reliable, and experienced customer service representatives and staff.
Unlike a lot of other similar lenders who have incorporated modern technology into their services and offer electronic, robotic chat features to assist their customers, OppLoans makes sure that customers can speak with real customer service representatives, seven days a week, by phone and email.
OppLoans has a reputation for having a quick turn-around time and letting customers know whether they are approved or not within a matter of minutes. With OppLoans, customers can also receive their loan funds deposit as soon as the next business day.
OppLoans does not assess customers’ online payday loan applications using hard credit checks and instead uses an alternative credit reporting agency, so customers do not have to worry about their credit scores being affected. Another benefit of using OppLoans for your online payday loans in Wyoming is that they report payments to the three major credit bureaus (Experian, Equifax, and TransUnion), making it easy for you to build your credit score.
VIDEO: OPPLoans Review
Founded in 2006, the online service 1FirstCashAdvance can match borrowers with potential lenders using just a single application. 1FirstCashAdvance makes it free to apply for online installment loans in Wyoming with its fast and easy application process that helps customers get the money they need whenever they need it.
With 1FirstCashAdvance, you do not have to worry about having a high credit score because they believe in giving everyone a fair opportunity to apply for payday loans, no matter their credit score. Unlike some traditional bank loans, 1FirstCashAdvance is here to help people get approved for the loans they need.
1FirstCashAdvance protects their customers’ personal information using the most up-to-date security systems. Plus, they offer educational and financial resources to customers to help them learn how to borrow responsibly and strengthen their long-term credit profiles.
1FirstCashAdvance even started contributing to students’ financial education by starting a Financial Championship Scholarship and, in recent years, has started funding and advising different environment improvement projects and charities.
Another benefit to using 1FirstCashAdvance for your online payday loans in Wyoming is how transparent they are about the terms and conditions and interest rates of their online payday loans. Plus, their reliable and friendly customer service representatives make it easy to apply.
Since 1997, the direct lender Advance America has issued over 124 million consumer loans. Now, Advance America operates over 1,900 stores around the United States. Advance America‘s simple application process makes it easy for borrowers to apply for Wyoming’s online personal loans.
One downside to using Advance America is that there is no way to know whether your credit score will be affected by your online payday loan application.
According to Advance America’s website, they run credit checks on customers who apply for online payday loans, but they do not indicate whether they use a hard or soft pull credit score. Advance America also does not report loan payments to traditional credit bureaus and is not transparent about their loan terms, interest rates, and fees.
Advance America may also have higher rates online than in-store. However, Advance America is one of the best lenders for online payday loans in Wyoming because they offer a unique Worry-Free Advance policy which guarantees that Advance America will waive their loan fees if borrowers have any outstanding loans and lose their job.
VIDEO: Advance America Review
DLL Green Finance, formerly known as DirectLoanLenders.org, was founded in 2015 and is based out of Sheridan, Wyoming. DLL Green Finance Inc. is an online lending service that uses a single application to match borrowers with direct lenders.
To apply for online payday loans with DLL Green Finance, you have to be at least 18 years old, have a verifiable and stable income of at least $1000, have a verifiable checking account, and be a U.S. citizen. Even if you do not have a credit score or have a bad credit score, DLL Green Finance may be able to help you get the online payday loan you need.
DLL Green Finance will match borrowers with reliable lenders who offer personal loans, installment loans, and payday loans. Once you fill out your application with DLL Green Finance, you will be subject to instant approval and will see loan funds deposited into your account within one business day if you are approved.
Unlike most other online sites, DLL Green Finance is transparent about offering a lot of information about the lenders they work with. DLL Green Finance also promotes responsible lending practices on their website and encourages borrowers who receive illegal lending actions to report said lenders.
DLL Green Finance is also a great company because they provide a lot of information about your rights as a borrower, Wyoming regulations, and your various lender options.
10. 12M Loans
12M Loans was founded in California in 2015. They may not be a direct lender, but they are an online loan matching website with access to a vast network of lenders that will help you find the best loan you qualify for from the best lender available using just a single application.
12M Loans is one of the best online matching companies you can use for your online payday loans in Wyoming because they do not tolerate lenders who use predatory or abusive collections tactics and only work with legitimate lenders.
To be a part of the 12M Loans’ network of lenders, lenders must adhere to the Fair Debt Collection Practices Act. Even borrowers with bad credit can find lenders with 12M Loans, and ninety percent of applicants have received loan offers. With 12M Loans, borrowers can receive an offer within seconds and can receive loan funds deposited in their accounts in as little as one business day.
Customers should be aware that most lenders from 12M Loans’ network run a soft credit check on applicants and that there is a chance that using 12M Loans could hurt their credit scores because unpaid loans may be reported to the major credit bureaus.
One other possible downside to using 12M Loans is that the rates, policies, and terms of your online payday loans in Wyoming depend on the lender you get matched with. Still, 12M Loans is one of the best options for your online personal loans in Wyoming.
Deciding to take out a short-term payday loan can be tough. Sometimes it can be just the help you need, while other times, it can be a downslide into even more slippery financial territory. As long as you’re wise in your money-borrowing decisions, it should be possible for you to navigate online payday loans in Wyoming without going into excessive amounts of debt.
Ultimately, we want you to be prepared for what these online short-term loans in Wyoming will present you with. You need to know the details of the company’s history and its current practices, so you can make the best choice for your financial situation. There’s no shame in admitting you need financial assistance sometimes between paychecks, and payday loans help bridge that gap.
Staying on top of how much you borrow will make sure you don’t end up in worse shape financially than how you started. Payday loans are risky but can also help when you need them most. As long as you follow our list of the best online payday loans in Wyoming, you should be able to get back on your feet financially in no time.