Get Your Cash Advance Online
Up to $5,000, depending on your state's law
When cash runs short a few days before payday, a payday loan is one way to bridge the gap. At Superb Cash Advance you can apply online for up to $400 with no hard credit check to get started, and you will get a free loan estimate if approved.
Approval depends mainly on your income and your ability to repay. In many cases, proof of about $800 or more in monthly income is enough to get started. Before you sign, compare your options and review the APR, the total repayment, and the repayment timeline.
Wyoming allows one simple fee of 20% a month, so a $400 loan costs about $80, for a total of around $480 in a month. You will always see the exact loan terms before you sign.
You can apply online or in person. Applying online is the fastest option, and once approved you will receive a free, no-obligation estimate before deciding whether to move forward.
In Wyoming, payday loans are licensed and regulated under the Uniform Consumer Credit Code, where they are called post-dated check loans. You write a check for the amount you borrow plus the fee, and it is held for up to one calendar month.
Wyoming law lets you have up to $400 in payday loans out at one time, across all lenders, and with Superb Cash Advance you can apply for up to $400. The only charge allowed is the greater of $30 or 20% of the balance per month, and no other fees can be added.
Lenders must be licensed by the Wyoming Division of Banking, which oversees payday lending and handles consumer complaints.
| Loan amount | Term | Fee | Total to repay | APR |
|---|---|---|---|---|
| $100 | About 1 month | $30 | $130 | About 353% |
| $200 | About 1 month | $40 | $240 | About 235% |
| $300 | About 1 month | $60 | $360 | About 235% |
| $400 | About 1 month | $80 | $480 | About 235% |
Representative example: borrow $400 for one month. The fee is 20% of the balance, which is $80, so you repay $480 at the end of the month, about a 235% APR.
On very small loans the $30 minimum fee makes the APR higher. We show your exact numbers before you sign.
Source: Wyoming payday loan law, W.S. 40-14-362 to 40-14-367 (a $400 limit on all outstanding post-dated check loans, a fee of the greater of $30 or 20% a month, a one-month term, no rollovers, a free extended payment plan, and no other fees).
Payday lenders are licensed and overseen by the Wyoming Division of Banking. Last reviewed July 2026.
With Superb Cash Advance, $400 is the most you can borrow on a payday loan in Wyoming, and you can request the exact amount you need up to that limit.
Wyoming law caps your payday loans at $400 outstanding at one time, across all lenders, with one simple fee and no rollovers.
Are payday loans legal in Wyoming?
Yes. Payday loans, which Wyoming calls post-dated check loans, are legal and regulated under the Uniform Consumer Credit Code.
Can I roll over a payday loan in Wyoming?
No. Wyoming does not allow a lender to refinance or consolidate your loan with a new post-dated check loan, so the balance cannot grow through repeated rollover fees.
If you cannot repay on time, you have the right to a free extended payment plan instead.
What is the extended payment plan in Wyoming?
If you cannot repay your loan in the one-month term, you can convert it to an extended payment plan at no extra charge.
The plan lets you repay in at least four equal payments over 60 days or more, and you can use it once in any 12-month period.
Is there a credit check to get a payday loan?
Getting a quote uses only a soft credit inquiry, so it does not affect your credit score.
If your loan is approved, a hard credit inquiry may be completed, and national databases such as TransUnion, Equifax, LexisNexis, or FactorTrust may be checked before you sign and before your loan is funded.
So there is no hard credit check just to request a loan, but one may be required before your loan is funded.
What are you waiting for?
See if you pre-qualify in minutes, with no obligation. You only decide after you see the full cost.
✓ Free to apply✓ Quick online form✓ Secure and private✓ Clear repayment terms
2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days. Where state law requires loan proceeds to be paid in cash and in person, an application may be started online and the approved funds are collected at the store.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Where state law permits electronic disbursement, funds may be deposited as soon as the same business day for loan agreements signed before 11:30 AM ET, and loan agreements signed later in the day are generally funded on the next business day. In states whose law requires loan proceeds to be paid in cash and in person, approved funds are collected at the store instead of being deposited, and timing depends on signing time and store hours.
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