Wyoming Pawnbrokers

Wyoming Pawn Software for State & Local Rules

PawnSmarts captures the recordkeeping Wyoming statutes require, tracks 4-year retention and 15-day holds, and fits Wyoming's collateral-only, no-personal-liability framework — all for a flat monthly price with no contract.

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One system for pawns, buy-outs and consignment

Wyoming pawn shop software is a point-of-sale and management system that handles pawns, buy-outs, layaway and consignment for a Wyoming pawnbroker in one application, with the recordkeeping and police reporting state and local rules require. The right system applies Wyoming's collateral-only framework, 4-year retention and 15-day holds automatically. PawnSmarts does all of this, works offline and auto-syncs, runs on Windows, Mac, iPad, Android or any browser, and ships pre-configured for 48 states so your tickets, calculations and reports start out correct.

PawnSmarts is month to month at $89/month (Essential) or $129/month (Professional), with no contract and no setup fee, or own Professional outright for a one-time $2,995. We migrate your data for a one-time $395 and you're live in under 24 hours.

Built for Wyoming's framework, PawnSmarts includes complete recordkeeping with every state-required field, 4-year retention tracking, 15-day hold tracking for purchased items, item descriptions with serial numbers and identifying marks, police reporting and LEADS Online export, age verification to prevent transactions with minors, and pawn-ticket printing with required disclosures.

Wyoming pawn regulation: state and local

Wyoming pawnbrokers operate under a dual framework: state statutes set the baseline, while cities and counties may impose additional licensing and reporting rules. You must comply with both.

State recordkeeping — Wyo. Stat. §33-6-106

Wyo. Stat. §33-6-106 requires every pawnbroker to keep an accurate record showing:

This record must be available at all times to any peace officer of the city, county or state. PawnSmarts gives each of these its own field and keeps the record retrievable on demand.

State license — Wyoming Uniform Consumer Credit Code

Wyoming requires pawnbrokers to obtain a license from the administrator of the Wyoming Uniform Consumer Credit Code before doing business. State licensing fees run a $300 processing fee for the first license, $150 for each additional branch, plus a $50 initial license fee per location. PawnSmarts is a recordkeeping tool — it does not track licenses, bonds or renewal dates, so you remain responsible for obtaining and maintaining your state license and any required bonds.

Local licensing — city ordinances

Requirements vary by jurisdiction and change over time — verify current rules with your city or county clerk. PawnSmarts does not track local licenses or bonds.

15-day hold on purchases — Cheyenne §5.56.090

Cheyenne requires that all articles purchased outright be kept separate and not sold or otherwise disposed of for fifteen (15) days from the date of purchase. Other Wyoming cities may have similar holds. Enter the purchase date and PawnSmarts flags the item as "on hold" until it's eligible for sale.

Example timeline. Purchase March 1 → 15-day hold March 1–16 → eligible for sale March 17. PawnSmarts holds the item until March 17, preventing an accidental early sale.

4-year record retention — Cody §3-4-2, Douglas §5.08.070

Wyoming municipalities typically require records to be preserved for four (4) years from the date of transaction (or two years from final entry, whichever is later). PawnSmarts keeps your transaction data retrievable and can flag records approaching the 4-year mark for your review; you remain responsible for backup and retention.

No personal liability — Wyo. Stat. §40-14-361

Wyoming law contains a distinctive provision: a pawnbroker may not make an agreement requiring the personal liability of a customer in connection with a pawn transaction. No customer may be required to redeem pledged goods or make any payment, and the pawnbroker's sole remedy for nonpayment is the right to title of the pledged tangible personal property. Pawnbrokers may not charge for insurance in connection with a pawn transaction and must post a schedule of business days and hours for redemption. PawnSmarts is structured around collateral-based transactions — it tracks pledged goods, not personal guarantees, which fits Wyoming's model exactly.

Transactions with minors prohibited — Cheyenne §5.56.120, Douglas §5.08.120

No pawnbroker may accept a pledge from any person under 18. PawnSmarts requires and verifies date of birth against ID to help you keep minors out of transactions; you remain responsible for ensuring compliance.

Reminders that cut forfeitures (Professional). On the Professional plan, PawnSmarts sends each pledgor three automatic SMS and email reminders before a loan is due, each with a secure payment link, so pledgors pay from home and the loan updates instantly.

Wyoming local ordinances at a glance

Cheyenne

  • License fee: $155/year
  • $1,000 bond required
  • 15-day hold on purchases
  • No transactions with minors

Cody

  • Weekly reporting to Chief (Mondays)
  • 4-year record retention
  • Records in ink or indelible pencil
  • Forms approved by city clerk

Casper

  • License required
  • Out-of-city dealers regulated
  • State UCCC license required

Douglas

  • License fee: $250/year
  • 4-year record retention
  • Felony disclosure required
  • No transactions with minors

Requirements vary and may change. Verify current local ordinances with your city or county clerk. PawnSmarts is a recordkeeping tool and does not track licenses or bonds.

About the author. Steve Henning, Managing Director of PawnSmarts, has worked in pawn software since 2005 and works directly with pawnbrokers across the country, including shops in Wyoming. This Wyoming page is reviewed periodically against Wyoming Statutes Title 33, Chapter 6; Title 40, Chapter 14; and local ordinances from Cheyenne, Cody, Casper and Douglas. Questions? [email protected] · 800-710-6184 · Updated February 2026.

Compare PawnSmarts to other systems on our comparison page, learn the basics in what is pawn shop software, or browse the other states we serve.

Pawn rules near Wyoming. Each state writes its own tickets, rates, holding periods and reports: Colorado · Idaho · Montana · Nebraska · Utah. Or see every state on the states we serve page, and the full US licensing guide.

Frequently Asked Questions

What records must Wyoming pawnbrokers keep under state law?

Wyo. Stat. §33-6-106 requires every pawnbroker to maintain an accurate record for each transaction showing a complete item description, the transaction date, the customer's name and address, the amount paid or loaned, and the date the pledge expires, available at all times to any peace officer of the city, county or state. PawnSmarts gives each of these its own field and keeps the record retrievable on demand.

Can a Wyoming pawnbroker require a customer to personally repay a pawn loan?

No. Under Wyo. Stat. §40-14-361, pawnbrokers may not require the personal liability of a customer in connection with a pawn transaction, and the pawnbroker's only remedy for nonpayment is the right to title of the pledged tangible personal property. PawnSmarts is structured around collateral-based transactions, tracking pledged goods rather than personal guarantees, which fits Wyoming's model exactly.

How long is the hold period on purchased items in Cheyenne, Wyoming?

Cheyenne's ordinance (§5.56.090) requires that all articles purchased outright be held for 15 days from the date of purchase before they may be sold or otherwise disposed of, and other Wyoming municipalities may have similar holds. PawnSmarts flags each purchased item as "on hold" from the purchase date until it is eligible for sale; verify current local requirements with your city or county clerk.

How much does Wyoming pawn shop software cost?

Pawn software for Wyoming typically ranges from about $89 to $300 or more per month depending on features. PawnSmarts is $89/month for Essential or $129/month for Professional, month to month with no contract or setup fee, or a one-time $2,995 for Professional, with data migration for a one-time $395 and go-live in under 24 hours.

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Questions? [email protected] · 800-710-6184