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Best Personal Loan Rates in Wyoming (WY) - March 2026

Current personal loan options available to borrowers in Wyoming include: Sheridan Community Federal Credit UnionSheridan Community Federal Credit Union141 S Gould St, Sheridan, WY, 82801A5.0 ★Texas Ratio: 9.57% offering Vacation Loans at 4.45% APR, Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY, 82001A+5.0 ★Texas Ratio: 3.55% offering Construction Loans at 7.25% APR, Blue Federal Credit UnionBlue Federal Credit Union114 E 7th Ave, Cheyenne, WY, 82001A5.0 ★Texas Ratio: 13.48% offering Personal Loan at 7.50% APR, Uniwyo Federal Credit UnionUniwyo Federal Credit Union1000 E University Ave, Laramie, WY, 82071 2000A+5.0 ★Texas Ratio: 3.84% offering Unimproved Property/Land Loan at 7.99% APR, and StagePoint Federal Credit UnionStagePoint Federal Credit Union365 N 3rd St, Laramie, WY, 82072A+5.0 ★Texas Ratio: 1.64% offering Signature Personal Loans at 10.75% APR.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Wyoming can save you significantly over the life of your loan.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Wyoming.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wyoming. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 21, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
141 S Gould St, Sheridan, WY, 82801
Vacation Loans
4.45%
APR4.45%
Last UpdatedMarch 21, 2026
Details

As Low As

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Construction Loans
7.25%
APR7.25%
Last UpdatedMarch 21, 2026
Details

As Low As

Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
114 E 7th Ave, Cheyenne, WY, 82001
Personal Loan
7.50%
APR7.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Simplify your payments. Get a personal loan to consolidate debt with up to $7,500 and a rate as low as 7.50% APR* for up to 60 months with this limited-time Personal Loan

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Land Loans
7.50%
APR7.50%
Last UpdatedMarch 21, 2026
Details

As Low As

Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1000 E University Ave, Laramie, WY, 82071 2000
Unimproved Property/Land Loan
7.99%
APR7.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Unsecured Personal Loans
8.49%
APR8.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1000 E University Ave, Laramie, WY, 82071 2000
Personal
9.64%
APR9.64%
Last UpdatedMarch 21, 2026
Details

No additional details available.

StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
365 N 3rd St, Laramie, WY, 82072
Signature Personal Loans
10.75%
APR10.75%
Last UpdatedMarch 21, 2026
Details

As Low As

WyHy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.81%
1715 Stillwater Ave, Cheyenne, WY, 82009 7359
Unsecured Personal Loan
11.45%
APR11.45%
Last UpdatedMarch 21, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
Debt Consolidation Loans
11.99%
APR11.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1702 17th St, Cody, WY, 82414
Personal Loan
11.99%
APR11.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1702 17th St, Cody, WY, 82414
Unsecured Loan
11.99%
APR11.99%
Last UpdatedMarch 21, 2026
Details

As Low As

TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY, 82935 5554
Personal Loans
12.00%
APR12.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1000 E University Ave, Laramie, WY, 82071 2000
Credit Builder Loan
12.00%
APR12.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
101 Ranch Dr, Wright, WY, 82732
Signature Loan
12.50%
APR12.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Life Happens. Help Pay for it With a Signature Loan from Campco FCU Campco FCU offers low interest signature loans to help you pay for whatever you need. With fixed monthly payments and rates starting at 12.50% APR*, we can help you pay off or consolidate debt, make a large purchase, or take care of unexpected expenses. Apply today for: * Home improvement projects * Debt consolidation * Medical and dental expenses * Travel and vacation * Vehicle repairs

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
13.99%
APR13.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
101 Ranch Dr, Wright, WY, 82732
Signature
14.00%
APR14.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
15.99%
APR15.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
FirstCash Loan
27.00%
APR27.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
114 E 7th Ave, Cheyenne, WY, 82001
Personal Loan
7.50%
APR7.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Simplify your payments. Get a personal loan to consolidate debt with up to $7,500 and a rate as low as 7.50% APR* for up to 60 months with this limited-time Personal Loan

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Unsecured Personal Loans
8.49%
APR8.49%
Last UpdatedMarch 21, 2026
Details

As Low As

StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
365 N 3rd St, Laramie, WY, 82072
Signature Personal Loans
10.75%
APR10.75%
Last UpdatedMarch 21, 2026
Details

As Low As

WyHy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.81%
1715 Stillwater Ave, Cheyenne, WY, 82009 7359
Unsecured Personal Loan
11.45%
APR11.45%
Last UpdatedMarch 21, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1702 17th St, Cody, WY, 82414
Personal Loan
11.99%
APR11.99%
Last UpdatedMarch 21, 2026
Details

As Low As

TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY, 82935 5554
Personal Loans
12.00%
APR12.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
Debt Consolidation Loans
11.99%
APR11.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
365 N 3rd St, Laramie, WY, 82072
Signature Personal Loans
10.75%
APR10.75%
Last UpdatedMarch 21, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
101 Ranch Dr, Wright, WY, 82732
Signature Loan
12.50%
APR12.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Life Happens. Help Pay for it With a Signature Loan from Campco FCU Campco FCU offers low interest signature loans to help you pay for whatever you need. With fixed monthly payments and rates starting at 12.50% APR*, we can help you pay off or consolidate debt, make a large purchase, or take care of unexpected expenses. Apply today for: * Home improvement projects * Debt consolidation * Medical and dental expenses * Travel and vacation * Vehicle repairs

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
13.99%
APR13.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
101 Ranch Dr, Wright, WY, 82732
Signature
14.00%
APR14.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
15.99%
APR15.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

No home improvement personal loan rates found in Wyoming currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Wyoming?

Most lenders in Wyoming require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Wyoming often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Wyoming require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Wyoming?

Yes. Debt consolidation is one of the most common uses of personal loans in Wyoming. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Wyoming?

Credit unions in Wyoming often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Wyoming?

  • Sheridan Community Federal Credit Union: 4.45% (Vacation Loans)
  • Meridian Trust Federal Credit Union: 7.25% (Construction Loans)
  • Blue Federal Credit Union: 7.50% (Personal Loan)
  • Uniwyo Federal Credit Union: 7.99% (Unimproved Property/Land Loan)
  • StagePoint Federal Credit Union: 10.75% (Signature Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Wyoming. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026.

Cities in Wyoming