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Wyoming Promissory Note Templates

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The Wyoming promissory note templates are signed promises that organize and add legal validity to transactions where one individual (called the ‘lender’) lends money to another individual (called the ‘borrower’). The documents include a section where a witness’ signature is written; this gives the template weight in a court of law if the document needs to be used for such use.


Secured Promissory Note – Protects the lender from losing the loaned balance by requiring the borrower to set aside an item (such as a home, vehicle, or boat) that is automatically given to the lender in the case of a default. This item is used to cover the amount of balance that has been left unpaid by the borrower and should be of similar value as to the amount of the note.

Unsecured Promissory Note – Does not include a section where security can be stated. If the borrower enters into default and is unable to recover, the lender does not receive an item to help cover the remaining balance. The lender can only resort to taking the borrower to small claims court to recover the lost balance.

Usury Rate

In Wyoming, loans, other than consumer loans can have any interest rate as long as it is agreed upon by the parties. A consumer loan interest rate cannot exceed 10% per year. WY ST § 40-14-310

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