Rock Springs, WY · West · Allowed
Payday loans in Rock Springs
Rock Springs 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 Rock Springs
23,755 residents · Sweetwater County Median household income is $69,667 — above the Wyoming median of $58,497.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Advance America | Green River 14 mi | (307) 875-6767 |
| Security Finance | Vernal 80 mi | (435) 789-1390 |
| USA Cash Services | Vernal 80 mi | (435) 789-7775 |
| USA Cash Services | Evanston 94 mi | (307) 783-7777 |
| Advance America | Riverton 108 mi | (307) 857-4401 |
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 Rock Springs
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 Rock Springs 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 Rock Springs
Are payday loans legal in Rock Springs, WY?
Yes. Storefront payday lending is permitted across Wyoming, and Rock Springs 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 Rock Springs?
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 Rock Springs?
Our 2022-02-20 directory snapshot lists no storefront lenders in Rock Springs — the closest listed locations are in Green River, Vernal, Evanston.
Who regulates lenders in Rock Springs?
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.