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Understanding Payday Loans

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Legal Notice

Community Financial Services Association of America (CFSA) Financial Service Centers of America (FiSCA)
Consumer Notice:
Payday advances should be used for short term finacial needs only, not as long-term financial solution.
Customers with credit difficulties should seek credit counseling.

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Wyoming Rates & Terms 


Governing Law
The loan agreement will be governed by the laws of the state of Wyoming. Questions or complaints should be directed to the Wyoming Department of Audit Division of Banking. For additional contact information, click here.


Loan Amount
The minimum loan amount for Wyoming residents will be $ 300.00.
The maximum loan amount for Wyoming residents will be $1000.00.

Loans will be issued in $50 increments.


Loan Terms
Your loan will be due on your next payday that falls between 4 and 18 days away.


Extensions
In accordance with Wyoming law, your loan must be paid in full on the due date. Early payoff requests must be received at least 2 business days prior to your due date.


Fees and Charges
Your loan fees will be $30.00 per $100 borrowed, or 20% per month on the principal balance, whichever is greater.


Fees Schedule and APR

100 150 200 250 300 350 400 450 500 550
7 235.48%
$4.52
$6.77 $9.03 $11.29 $13.55 $15.81 $18.06 $20.32 $22.58 $24.84
8 235.48%
$5.16
$7.74 $10.32 $12.90 $15.48 $18.06 $20.65 $23.23 $25.81 $28.39
9 235.48% $5.81 $8.71 $11.61 $14.52 $17.42 $20.32 $23.23 $26.13 $29.03 $31.94
10 235.48% $6.45 $9.68 $12.90 $16.13 $19.35 $22.58 $25.81 $29.03 $32.26 $35.48
11 235.48%
$7.10
$10.65
$14.19
$17.74
$21.29 $24.84 $28.39 $31.94 $35.48 $39.03
12 235.48%
$7.74
$11.61
$15.48
$19.35
$23.23 $27.10 $30.97 $34.84 $38.71 $42.58
13 235.48%
$8.39
$12.58
$16.77
$20.97
$25.16 $29.35 $33.55 $37.74 $41.94 $46.13
14 235.48%
$9.03
$13.55
$18.06
$22.58
$27.10 $31.61 $36.13 $40.65 $45.16 $49.68
15 235.48%
$9.68
$14.52
$19.35
$24.19
$29.03 $33.87 $38.71 $43.55 $48.39 $53.23
16 235.48%
$10.32
$15.48
$20.65
$25.81
$30.97 $36.13 $41.29 $46.45 $51.61 $56.77
17 235.48%
$10.97
$16.45
$21.94
$27.42
$32.90 $38.39 $43.87 $49.35 $54.84 $60.32
18 235.48%
$11.61
$17.42
$23.23
$29.03
$34.84 $40.65 $46.45 $52.26 $58.06 $63.87
19 235.48%
$12.26
$18.39
$24.52
$30.65
$36.77 $42.90 $49.03 $55.16 $61.29 $67.42
20 235.48%
$12.90
$19.35
$25.81
$32.26
$38.71 $45.16 $51.61 $58.06 $64.52 $70.97
21 235.48%
$13.55
$20.32
$27.10
$33.87
$40.65
$47.42
$54.19
$60.97
$67.74
$74.52
22
235.48%
$14.19
$21.29
$28.39
$35.48
$42.58
$49.68
$56.77
$63.87
$70.97
$78.06
23
235.48%
$14.84
$22.26
$29.68
$37.10
$44.52
$51.94
$59.35
$66.77
$74.19
$81.61
24
235.48%
$15.48
$23.23
$30.97
$38.71
$46.45
$54.19
$61.94
$69.68
$77.42
$85.16
25
235.48%
$16.13
$24.19
$32.26
$40.32
$48.39
$56.45
$64.52
$72.58
$80.65
$88.71
26
235.48%
$16.77
$25.16
$33.55
$41.94
$50.32
$58.71
$67.10
$75.48
$83.87
$92.26
27
235.48%
$17.42
$26.13
$34.84
$43.55
$52.26
$60.97
$69.68
$78.39
$87.10
$95.81
28
235.48%
$18.06
$27.10
$36.13
$45.16
$54.19
$63.23
$72.26
$81.29
$90.32
$99.35
29
235.48%
$18.71
$28.06
$37.42
$46.77
$56.13
$65.48
$74.84
$84.19
$93.55
$102.90
30
235.48%
$19.35
$29.03
$38.71
$48.39
$58.06
$67.74
$77.42
$87.10
$96.77
$106.45


600 650 700 750 800 850 900 950 1000
7 235.48% $27.10 $29.35 $31.61 $33.87 $36.13 $38.39 $40.65 $42.90 $45.16
8 235.48% $30.97 $33.55 $36.13 $38.71 $41.29 $43.87 $46.45 $49.03 $51.61
9 235.48% $34.84 $37.74 $40.65 $43.55 $46.45 $49.35 $52.26 $55.16 $58.06
10 235.48% $38.71 $41.94 $45.16 $48.39 $51.61 $54.84 $58.06 $61.29 $64.52
11 235.48% $42.58 $46.13 $49.68 $53.23 $56.77 $60.32 $63.87 $67.42 $70.97
12 235.48% $46.45 $50.32 $54.19 $58.06 $61.94 $65.81 $69.68 $73.55 $77.42
13 235.48% $50.32 $54.52 $58.71 $62.90 $67.10 $71.29 $75.48 $79.68 $83.87
14 235.48% $54.19 $58.71 $63.23 $67.74 $72.26 $76.77 $81.29 $85.81 $90.32
15 235.48% $58.06 $62.90 $67.74 $72.58 $77.42 $82.26 $87.10 $91.94 $96.77
16 235.48% $61.94 $67.10 $72.26 $77.42 $82.58 $87.74 $92.90 $98.06 $103.23
17 235.48% $65.81 $71.29 $76.77 $82.26 $87.74 $93.23 $98.71 $104.19 $109.68
18 235.48% $69.68 $75.48 $81.29 $87.10 $92.90 $98.71 $104.52 $110.32 $116.13
19 235.48% $73.55 $79.68 $85.81 $91.94 $98.06 $104.19 $110.32 $116.45 $122.58
20 235.48% $77.42 $83.87 $90.32 $96.77 $103.23 $109.68 $116.13 $122.58 $129.03
21 235.48%
$81.29
$88.06
$94.84
$101.61
$108.39
$115.16
$121.94
$128.71
$135.48
22 235.48%
$85.16
$92.26
$99.35
$106.45
$113.55
$120.65
$127.74
$134.84
$141.94
23 235.48%
$89.03
$96.45
$103.87
$111.29
$118.71
$126.13
$133.55
$140.97
$148.39
24 235.48%
$92.90
$100.65
$108.39
$116.13
$123.87
$131.61
$139.35
$147.10
$154.84
25 235.48%
$96.77
$104.84
$112.90
$120.97
$129.03
$137.10
$145.16
$153.23
$161.29
26 235.48%
$100.65
$109.03
$117.42
$125.81
$134.19
$142.58
$150.97
$159.35
$167.74
27 235.48%
$104.52
$113.23
$121.94
$130.65
$139.35
$148.06
$156.77
$165.48
$174.19
28 235.48%
$108.39
$117.42
$126.45
$135.48
$144.52
$153.55
$162.58
$171.61
$180.65
29 235.48%
$112.26
$121.61
$130.97
$140.32
$149.68
$159.03
$168.39
$177.74
$187.10
30 235.48%
$116.13
$125.81
$135.48
$145.16
$154.84
$164.52
$174.19
$183.87
$193.55

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