Wyo. Stat. § 40-14-214 (2026)

(a) With respect to a consumer credit sale, refinancing,
or consolidation, the parties may contract for a delinquency
charge on any installment not paid in full within ten (10) days
after its scheduled due date in an amount not exceeding the
greater of:

          (i) Five percent (5%) of the unpaid amount of the
installment; or

         (ii)    Ten dollars ($10.00).
     (b) A delinquency charge under subsection (a) of this
section may be collected only once on an installment however
long it remains in default. No delinquency charge may be
collected if the installment has been deferred and a deferral
charge (W.S. 40-14-215) has been paid or incurred until ten (10)
days after the deferred due date. A delinquency charge may be
collected at the time it accrues or at any time thereafter.

     (c) No delinquency charge may be collected on an
installment which is paid in full within ten (10) days after its
scheduled installment due date even though an earlier maturing
installment or a delinquency charge on an earlier installment
may not have been paid in full. For purposes of this subsection
payments are applied first to current installments and then to
delinquent installments.