The MFP’s Community Auto Lender Survey gathers Wyoming’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Wyoming’s Car Drivers >>
Wyoming Best Car Loan Lenders
Cheyenne, Casper, Gillette, Laramie, Rock Springs, Green River, Evanston, Online.
Wyoming Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across Wyoming by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.59 | 4.63 | 4.58 | 90.1% |
| Community Banks | 4.47 | 4.54 | 4.59 | 88.0% |
| Online Lenders | 4.48 | 4.46 | 4.49 | 81.1% |
| Banks | 4.15 | 4.22 | 4.14 | 80.8% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from local 1,295 Wyoming drivers who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Wyoming Drivers:
Wyoming New Car Insurance Cost
Wyoming Used Car Insurance Cost
Cheyenne Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Cheyenne’s area are First Education Federal Credit Union, Meridian Trust Federal Credit Union and UniWyo Credit Union.
First Education Federal Credit Union (94% Recommend)
- Ranks highest overall with a 94% Recommend score, the top Easy Application rating at 4.8, and the highest Speedy Quote & Decision rating among the top 3 at 4.8.
- Reviews and local feedback point to a simple preapproval process, low-cost loan positioning, and helpful in-branch support for Cheyenne borrowers.
Meridian Trust Federal Credit Union (92% Recommend)
- Ranks second with a 92% Recommend score and the strongest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Customer feedback emphasizes strong service, clear explanations, and competitive loan terms, which supports its high rate-satisfaction score.
UniWyo Credit Union (90% Recommend)
- Ranks third with a 90% Recommend score and balanced 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.6 Speedy Quote & Decision ratings.
- Reviews and member feedback point to flexible local service, direct advice, and a smooth funding experience for auto-loan borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| First Education Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 94% |
| Meridian Trust Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.6 | 92% |
| UniWyo Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| WyHy Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 88% |
| Cheyenne State Bank | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| First Interstate Bank | Bank | 4.4 | 4.3 | 4.3 | 84% |
| Pinnacle Bank | Bank | 4.3 | 4.3 | 4.4 | 83% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.1 | 80% |
| ANB Bank | Bank | 4.0 | 4.1 | 4.0 | 78% |
| Blue Federal Credit Union | Credit Union | 3.9 | 4.0 | 3.8 | 75% |
Casper Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Casper’s area are StagePoint Federal Credit Union, UniWyo Credit Union and Meridian Trust Federal Credit Union.
StagePoint Federal Credit Union (94% Recommend)
- Ranks highest overall with a 94% Recommend score, a 4.8 Easy Application rating, and the highest Speedy Quote & Decision rating among the top 3 at 4.8.
- Reviews point to helpful staff, clear loan guidance, and a smooth borrowing process, which supports its top score for application experience and support.
UniWyo Credit Union (93% Recommend)
- Ranks second with a 93% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Member feedback highlights competitive auto-loan terms, responsive service, and a straightforward branch experience for Casper borrowers.
Meridian Trust Federal Credit Union (91% Recommend)
- Ranks third with a 91% Recommend score, a 4.7 Easy Application rating, and balanced 4.7 Loan Terms and 4.6 Speedy Quote & Decision ratings.
- Reviews support the strong scores by emphasizing friendly service, practical loan help, and a clear auto-loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| StagePoint Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 94% |
| UniWyo Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Meridian Trust Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 91% |
| Hilltop Bank | Community Bank | 4.6 | 4.6 | 4.7 | 89% |
| Jonah Bank of Wyoming | Community Bank | 4.5 | 4.6 | 4.6 | 88% |
| WyHy Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 86% |
| Nuvision Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.3 | 84% |
| First Interstate Bank | Bank | 4.2 | 4.3 | 4.2 | 82% |
| Pinnacle Bank | Bank | 4.1 | 4.2 | 4.1 | 80% |
| ANB Bank | Bank | 4.0 | 4.1 | 4.0 | 78% |
Gillette Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Gillette’s area are Campco Federal Credit Union, Highmark Credit Union and First National Bank of Gillette.
Campco Federal Credit Union (95% Recommend)
- Ranks highest overall with a 95% Recommend score, the top Easy Application rating at 4.8, and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Reviews and member feedback point to a smooth auto-loan process, competitive rates, and helpful local staff, supporting its top application and loan-terms scores.
Highmark Credit Union (93% Recommend)
- Ranks second with a 93% Recommend score and the highest Speedy Quote & Decision rating among the top 3 at 4.8.
- Customer feedback emphasizes friendly branch service, clear explanations, and strong help with vehicle-loan questions, which supports its high support score.
First National Bank of Gillette (91% Recommend)
- Ranks third with a 91% Recommend score, a 4.6 Easy Application rating, and a 4.7 Speedy Quote & Decision rating.
- Reviews and local feedback point to responsive in-person service and practical auto-financing help from a Gillette-based banking team.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Campco Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 95% |
| Highmark Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| First National Bank of Gillette | Community Bank | 4.6 | 4.6 | 4.7 | 91% |
| First Northern Bank of Wyoming | Community Bank | 4.5 | 4.6 | 4.6 | 89% |
| Pinnacle Bank | Bank | 4.5 | 4.5 | 4.4 | 87% |
| The Banks of Buffalo Gillette Sheridan | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| ANB Bank | Bank | 4.3 | 4.4 | 4.3 | 84% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.2 | 81% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.0 | 78% |
Laramie Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Laramie’s area are UniWyo Credit Union, StagePoint Federal Credit Union and Blue Federal Credit Union.
UniWyo Credit Union (93% Recommend)
- Ranks highest overall with a 93% Recommend score, the top Easy Application rating at 4.7, and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Reviews and member feedback point to a quick, easy car-loan process, helpful lenders, and strong satisfaction with vehicle-loan support.
StagePoint Federal Credit Union (91% Recommend)
- Ranks second with a 91% Recommend score and the highest Speedy Quote & Decision rating among the top 3 at 4.8.
- Customer feedback emphasizes helpful local service, clear communication, and strong in-branch assistance for borrowers.
Blue Federal Credit Union (88% Recommend)
- Ranks third with an 88% Recommend score and balanced ratings of 4.4 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.4 Speedy Quote & Decision.
- Reviews support its ranking with positive feedback around branch convenience, member service, and loan-related support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| UniWyo Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| StagePoint Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.8 | 91% |
| Blue Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 88% |
| ACPE Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 86% |
| Pinnacle Bank | Bank | 4.2 | 4.3 | 4.2 | 83% |
| First Interstate Bank | Bank | 4.1 | 4.2 | 4.1 | 81% |
| U.S. Bank | Bank | 4.0 | 4.1 | 4.0 | 79% |
| ANB Bank | Bank | 3.9 | 4.0 | 4.0 | 77% |
Rock Springs Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Rock Springs’s area are Trona Valley Federal Credit Union, Meridian Trust Federal Credit Union and WyHy Federal Credit Union.
Trona Valley Federal Credit Union (94% Recommend)
- Ranks highest overall with a 94% Recommend score, the top Easy Application rating at 4.8, and the highest Speedy Quote & Decision rating among the top 3 at 4.8.
- Reviews and member feedback point to helpful local staff, a smooth vehicle-loan process, and strong in-branch support for Rock Springs borrowers.
Meridian Trust Federal Credit Union (92% Recommend)
- Ranks second with a 92% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Customer feedback supports the high score by emphasizing competitive auto-loan terms, clear explanations, and reliable branch service.
WyHy Federal Credit Union (89% Recommend)
- Ranks third with an 89% Recommend score and balanced ratings of 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.5 Speedy Quote & Decision.
- Reviews point to friendly service, straightforward loan help, and good borrower support, which supports its top-3 ranking.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Trona Valley Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 94% |
| Meridian Trust Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.6 | 92% |
| WyHy Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 89% |
| RSNB Bank | Community Bank | 4.4 | 4.5 | 4.6 | 87% |
| Pinnacle Bank | Bank | 4.3 | 4.4 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.1 | 80% |
| BMO Bank | Bank | 4.0 | 4.1 | 4.0 | 78% |
Green River Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Green River’s area are Trona Valley Federal Credit Union, State Bank and WyHy Federal Credit Union.
Trona Valley Federal Credit Union (95% Recommend)
- Ranks highest overall with a 95% Recommend score, the top Easy Application rating at 4.8, and the highest Speedy Quote & Decision rating among the top 3 at 4.8.
- Reviews and member feedback point to a smooth vehicle-loan process, helpful local staff, and strong in-branch support for Green River borrowers.
State Bank (91% Recommend)
- Ranks second with a 91% Recommend score and balanced ratings of 4.6 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Customer feedback supports the high ranking by emphasizing responsive local service, practical loan help, and strong community-bank support.
WyHy Federal Credit Union (89% Recommend)
- Ranks third with an 89% Recommend score, including a 4.5 Easy Application rating and a 4.6 Loan Terms & Rate Satisfaction rating.
- Reviews and member feedback point to straightforward auto-loan help, friendly service, and useful borrower guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Trona Valley Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| State Bank | Community Bank | 4.6 | 4.6 | 4.7 | 91% |
| WyHy Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 89% |
| Meridian Trust Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.4 | 87% |
| RSNB Bank | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| Pinnacle Bank | Bank | 4.3 | 4.4 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.1 | 80% |
Evanston Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Evanston’s area are Trona Valley Federal Credit Union, First Bank of Wyoming and Uinta Bank.
Trona Valley Federal Credit Union (94% Recommend)
- Ranks highest overall with a 94% Recommend score, the top Easy Application rating at 4.8, and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Reviews and member feedback point to a smooth vehicle-loan process, helpful local staff, and strong in-branch support for Evanston borrowers.
First Bank of Wyoming (90% Recommend)
- Ranks second with a 90% Recommend score and balanced ratings of 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.6 Speedy Quote & Decision.
- Customer feedback supports the score by emphasizing local service, clear borrower guidance, and a practical loan process.
Uinta Bank (88% Recommend)
- Ranks third with an 88% Recommend score and the highest Speedy Quote & Decision rating among the top 3 tied at 4.6.
- Reviews and local feedback point to responsive staff, community-bank service, and helpful support for borrowers comparing loan options.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Trona Valley Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| First Bank of Wyoming | Community Bank | 4.5 | 4.6 | 4.6 | 90% |
| Uinta Bank | Community Bank | 4.4 | 4.5 | 4.6 | 88% |
| Buffalo Federal Bank | Community Bank | 4.3 | 4.4 | 4.5 | 85% |
| BMO Bank | Bank | 4.1 | 4.2 | 4.1 | 80% |
| Wells Fargo Bank | Bank | 4.0 | 4.0 | 3.9 | 76% |
Wyoming Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Wyoming’s area are UniWyo Credit Union, WyHy Federal Credit Union and Meridian Trust Federal Credit Union.
UniWyo Credit Union (90% Recommend)
- UniWyo Credit Union ranks first with a 4.9 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.9 Speedy Quote & Decision rating, giving it the highest Easy Application and Speedy Quote & Decision scores among the top 3.
- Customer feedback points to a strong Wyoming borrower experience, clear online loan access, and helpful support through the vehicle-financing process.
WyHy Federal Credit Union (89% Recommend)
- WyHy Federal Credit Union ranks second with a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying UniWyo Credit Union on Loan Terms.
- Customer feedback supports a convenient online application, flexible repayment options, quick approvals, and strong Wyoming-specific lending relevance.
Meridian Trust Federal Credit Union (88% Recommend)
- Meridian Trust Federal Credit Union ranks third with a 4.8 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying WyHy Federal Credit Union on Speedy Quote & Decision.
- Customer feedback points to fast approvals, pre-approval options, and a clear online vehicle-loan path for Wyoming borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend |
|---|---|---|---|---|---|
| UniWyo Credit Union | Direct | 4.9 | 4.8 | 4.9 | 90% |
| WyHy Federal Credit Union | Direct | 4.8 | 4.8 | 4.8 | 89% |
| Meridian Trust Federal Credit Union | Direct | 4.8 | 4.7 | 4.8 | 88% |
| Trona Valley Federal Credit Union | Direct | 4.7 | 4.7 | 4.7 | 86% |
| Pinnacle Bank Wyoming | Direct | 4.7 | 4.6 | 4.7 | 85% |
| StagePoint Federal Credit Union | Direct | 4.6 | 4.6 | 4.6 | 84% |
| Blue Federal Credit Union | Direct | 4.6 | 4.5 | 4.6 | 83% |
| Western Vista Credit Union | Direct | 4.5 | 4.6 | 4.5 | 82% |
| Sheridan Community Federal Credit Union | Direct | 4.5 | 4.5 | 4.5 | 81% |
| AUTOPAY | Marketplace | 4.5 | 4.4 | 4.5 | 81% |
| CAMPCO Federal Credit Union | Direct | 4.4 | 4.5 | 4.4 | 80% |
| Capital One Auto Navigator | Direct | 4.5 | 4.3 | 4.6 | 80% |
| Hilltop Bank | Direct | 4.4 | 4.4 | 4.4 | 79% |
| LightStream | Direct | 4.4 | 4.4 | 4.5 | 79% |
| Wyoming Community Bank | Direct | 4.3 | 4.4 | 4.3 | 78% |
| PenFed Credit Union | Direct | 4.3 | 4.6 | 4.3 | 78% |
| First State Bank | Direct | 4.3 | 4.3 | 4.3 | 77% |
| myAutoloan | Marketplace | 4.2 | 4.1 | 4.2 | 75% |
| Auto Credit Express | Marketplace | 4.1 | 4.0 | 4.2 | 74% |
| Bank of America Auto Loans | Direct | 4.1 | 4.1 | 4.1 | 73% |