State rules
Wyoming auto loan rules
Wyoming has 99 Census places covered on AutoLoanable, with a combined estimated population of 401,086. Vehicle financing in Wyoming is governed by state law — the interest-rate caps, title-lending rules, sales-finance licensing and the regulator that oversees them. The sourced figures below apply to every car loan made to a borrower in the state.
The lowest rates are only available to the most qualified applicants.
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Key rules for car buyers in Wyoming
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 36% per year on unpaid principal balances up to $1,000; 21% above $1,000 (Wyo. Stat. § 40-14-310(g)) Source says: shall not exceed the equivalent of thirty-six percent (36%) per year on that part of the unpaid balances of the principal |
Wyoming Legislature (Wyoming Statutes) as of 2026-09-17 |
| Vehicle title loan status | No title-loan-specific statute; title loans are consumer loans under the Wyoming Uniform Consumer Credit Code, with finance charges capped at 36% per year on balances up to $1,000 and 21% per year above $1,000. Source says: "A loan finance charge ... shall not exceed the equivalent of thirty-six percent (36%) per year on that part of the unpaid balances of the principal that is equal to or less than one thousand dollars ($1,000.00)..." License category: consumer lender license (Wyoming Division of Banking, Uniform Consumer Credit Code). |
Wyoming Legislature — W.S. § 40-14-310 as of 2026-09-17 |
| Sales finance / installment lender licensing | Consumer Lender, Sales Finance Company, Post-Dated Check Casher, and Pawnbroker licenses via NMLS; licensing mandatory per location including online Source says: Licensing is mandatory for every location where business is regularly conducted Motor-vehicle retail installment sales are separately governed by the Wyoming Uniform Consumer Credit Code (Article 2 - Consumer Credit Sales) (W.S. § 40-14-101 et seq.; § 40-14-212). |
Wyoming Division of Banking as of 2026-09-17 |
| State lending regulator | Wyoming Division of Banking Source says: The Division is responsible for the chartering and regulation of Wyoming state banks, trust companies, mortgage companies, as well as non-bank financial companies. |
Wyoming Division of Banking as of 2026-09-17 |
| Sales tax on vehicle purchases | 4% statewide rate; county voter-approved additions generally bring combined rates to 4-8% Source says: "Sales/use tax is made up of two components: the mandatory statewide 4% rate and any voter-approved pennies." |
Wyoming Department of Revenue - Excise Tax Division as of 2026-09-17 |
How to use these rules
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Check the ceiling before you compare offers
If a quoted APR looks extreme, compare it against the Wyoming cap above — and note that a specific statutory exemption can apply to a particular product.
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Verify the lender is licensed
Use the regulator named in the table to confirm the lender or sales-finance company may legally serve borrowers in the state.
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Know what is secured against your car
A vehicle title loan is secured by the car itself. If the state permits it, understand the repossession terms before you sign anything.
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Budget for tax and fees separately
Sales tax and title fees are financed along with the car, so they raise the amount you borrow — and therefore the interest you pay on them.
Cities in Wyoming
We cover 99 Census places in Wyoming.