Wyo. Stat. § 40-14-215 (2026)

(a) With respect to a consumer credit sale, refinancing,
or consolidation, the parties before or after default may agree
in writing to a deferral of all or part of one (1) or more
unpaid installments, and the seller may make and collect a
charge which the buyer expressly agrees to pay as consideration
for the deferral. A deferral charge may be collected at the time
it is assessed or at any time thereafter.

     (b) The seller, in addition to the deferral charge, may
make appropriate additional charges (W.S. 40-14-213), and the
amount of these charges which is not paid in cash may be added
to the amount deferred for the purpose of calculating the
deferral charge.

     (c) Except in connection with a revolving charge account,
the parties may agree in writing at the time of a consumer
credit sale, refinancing, or consolidation that if an
installment is not paid within ten (10) days after its due date,
the seller may unilaterally grant a deferral and make charges as
provided in this section. No deferral charge may be made for a
period after the date that the seller elects to accelerate the
maturity of the agreement.

     (d) A delinquency charge made by the seller on an
installment may not be retained if a deferral charge is made
pursuant to this section with respect to the period of
delinquency.