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Are title loans legal in Wyoming?

By Lenditup Editorial Team · Law last verified · How we verify

Yes. Title loans are legal in Wyoming, and lenders must follow W.S. 40-14-302 (licence).

Title loan rules in Wyoming at a glance

Title loan rules in Wyoming
Title-loan lawW.S. 40-14-302 (licence)
Rate cap21%–36% (multi-cap)
Rollovers and renewalsRefinancing permitted at the § 40-14-310 rates (W.S. 40-14-314)
RepossessionAllowed after default
Owe the balance after the car is sold?Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance
Lender licenseRequired
StatuteW.S. 40-14-302 (licence); 40-14-310(f)-(g) (finance charge); 40-14-312; 40-14-314; 40-14-318

Source: W.S. 40-14-302 (licence); 40-14-310(f)-(g) (finance charge); 40-14-312; 40-14-314; 40-14-318 (read the law). We last checked it against the statute on October 3, 2026. See title loan laws in every state.

Maximum rate on each part of the balance in Wyoming

Maximum annual rate on each part of the balance in Wyoming
Part of the balanceMaximum rate
First $1,00036%
Above $1,00021%

Each rate applies only to that part of what you owe, so a larger loan has a blended rate between them (W.S. 40-14-310(g)).

What a title loan costs in Wyoming

Under Wyoming's rate rules, borrowing $1,000 for 12 months costs $206 in interest or fees, so you repay $1,206 (36% APR). Your offer may differ.

Example title loan costs in Wyoming
LoanTermInterest and feesTotal repaidAPR
$1,00012 months$206$1,20636%
$2,50012 months$381$2,88127%
$5,00012 months$674$5,67424%

Check whether the lender adds any fees: the written disclosure must show the full cost and the APR with every fee included.

What happens if you can't repay

If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

Looking for a loan in Wyoming?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Wyoming law.

Title loan questions for Wyoming

01What is the most a title lender can charge in Wyoming?
21%–36% (multi-cap). Your contract must show the APR before you sign.
02Can I roll over a title loan in Wyoming?
Refinancing permitted at the § 40-14-310 rates (W.S. 40-14-314). Each renewal adds cost, so ask for the total you will repay.
03What happens if I can't repay a title loan in Wyoming?
If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.
04Is Lenditup a title lender in Wyoming?
No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Wyoming law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.