Car Title Loans in Wyoming2026 Guide
Wyoming prohibits high-interest title loans.
Legal Status & Regulations
Governing Law
Wyo. Stat. § 40-14-101
Last Reviewed: April 2026
Law Summary
Wyoming prohibits high-interest title lending through the Wyoming Uniform Consumer Credit Code (Wyo. Stat. § 40-14). The state enforces strict interest rate caps on consumer loans, typically limiting APRs to 36% or lower. This regulatory environment prevents the operation of traditional high-APR title lenders, ensuring that vehicle-secured loans remain within affordable limits for Wyoming residents.
Real Rate Example in Wyoming
A $1,500 loan in Wyoming at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
Ready to Apply in Wyoming?
Check your options in minutes with no credit check required.
Quick Info Card
Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
WY Division of Banking