$100 - $100,000
CS: 0 • 5.96% - 35.99%
Best Loans in Montana, Payday, Auto Title Laws of September 2026
ElitePersonalFinance
•
Loans By State •
Last Update: September 1, 2026
Best Loans in All States
ElitePersonalFinance Marketplace
$100 - $40,000
CS: 0 • 5.99% - 35.99%
$100 - $100,000
CS: 0 • 5.96% - 35.99%
$100 - $20,000
CS: 0 • 5.99% - 35.99%
$100 - $5,000
CS: 0 • 5.99% - 35.99%
Montana’s Consumer Loan Act requires licensed lenders to cap installment loan APRs at 36%. Deferral and delinquency charges are capped at 5% of the outstanding balance, up to a maximum of $50. Bad check fees are also capped at $25.
When it comes to financing, Montana does not regulate the amount of credit extended to borrowers. The lender and the borrower determine finalized terms. Similarly, banks, building and loan associations, savings and loan associations, trust companies, and credit unions are exempt from the above regulations. Individuals who issue less than four consumer loans per year are also exempt.
Best Bad Credit Loans in Montana of September 2026
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
If you need help selecting a bad credit loan, see our complete guide.
Best Personal Loans for Good Credit in Montana of September 2026
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
Payday Loan Laws in Montana of September 2026
Maximum Loan Amount: $300
Minimum Loan Term: 14 days
Maximum Loan Term: 31 days
Maximum Fee: $1.39 per $100 borrowed (2-week term)
Maximum APR: 36%
Rollovers: Prohibited
Loan Limit: Not specified
Payday loans are legal in Montana but regulated.
Regulated by the Deferred Deposit Loan Act, licensed lenders are required to offer payday loan borrowers a minimum of $50 up to a maximum of $300. Also, if a borrower changes their mind and returns the proceeds in full within one day, finance charges are voided.
Payday loan APRs are capped at 36%, while non-sufficient funds (NSF) fees are capped at $30. The minimum loan term is 14 days, while the maximum loan term is 31 days. Rollovers and extensions are also prohibited.
Payday Loan Laws in Montana by Country of September 2026
ElitePersonalFinance analysis of payday loan laws by countries in the State of Montana.
We haven’t found a significant difference between the payday loan laws in Montana. If you are with bad credit, here are the laws in Montana by country.
However, the regulation that applies to Montana payday laws applies to all countries.
| City: | Amount Allowed: | APR Allowed: | Status: |
|---|---|---|---|
| City:Billings | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Missoula | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Great Falls | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Bozeman | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Butte-Silver Bow | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Helena | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Kalispell | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Havre | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Anaconda-Deer Lodge County | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Miles City | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Belgrade | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Helena Valley West Central | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Helena Valley Southeast | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Evergreen | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Lockwood | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Livingston | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Whitefish | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Laurel | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Sidney | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Lewistown | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Orchard Homes | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Glendive | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Columbia Falls | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Polson | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Hamilton | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Bigfork | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Four Corners | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Dillon | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Helena Valley Northwest | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Malmstrom AFB | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Hardin | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Lolo | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Glasgow | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Helena Valley Northeast | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Shelby | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Big Sky | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
| City:Cut Bank | Amount Allowed:$300 | APR Allowed:36% | Status:Legal |
Best Auto Loans for Bad Credit in Montana of September 2026
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
Best Auto Loans for Good Credit in Montana of September 2026
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
FHA Loans in Montana of September 2026
Montana has 56 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Beaverhead County to a high of $842,600 for a 4-bedroom unit in Gallatin County.
| County: | Single Unit Limit (lowest): | Four-Plex Limit (highest): |
|---|---|---|
| County:Beaverhead County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Big Horn County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Blaine County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Broadwater County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Carbon County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Carter County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Cascade County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Chouteau County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Custer County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Daniels County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Dawson County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Deer Lodge County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Fallon County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Fergus County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Flathead County | Single Unit Limit (lowest):$343,850 | Four-Plex Limit (highest):$661,250 |
| County:Gallatin County | Single Unit Limit (lowest):$438,150 | Four-Plex Limit (highest):$842,600 |
| County:Garfield County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Glacier County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Golden Valley County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Granite County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Hill County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jefferson County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Judith Basin County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lake County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lewis And Clark County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Liberty County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lincoln County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Madison County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Mccone County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Meagher County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Mineral County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Missoula County | Single Unit Limit (lowest):$350,750 | Four-Plex Limit (highest):$674,500 |
| County:Musselshell County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Park County | Single Unit Limit (lowest):$336,950 | Four-Plex Limit (highest):$648,000 |
| County:Petroleum County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Phillips County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Pondera County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Powder River County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Powell County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Prairie County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Ravalli County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Richland County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Roosevelt County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Rosebud County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Sanders County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Sheridan County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Silver Bow County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Stillwater County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Sweet Grass County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Teton County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Toole County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Treasure County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Valley County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Wheatland County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Wibaux County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Yellowstone County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
Business Loans in Montana of September 2026
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
All Licensed Credit Unions in Montana of September 2026
| Name: | City: | Size (Millions): | Members: |
|---|---|---|---|
| Name:WHITEFISH CREDIT UNION ASSOCIATION | City:Whitefish | Size (Millions):$1,220.66 | Members:57000 |
| Name:MISSOULA FEDERAL CREDIT UNION | City:Missoula | Size (Millions):$350.12 | Members:43510 |
| Name:VALLEY FCU OF MONTANA FEDERAL CREDIT UNION | City:Billings | Size (Millions):$170.60 | Members:24694 |
| Name:1ST LIBERTY FEDERAL CREDIT UNION | City:Great Falls | Size (Millions):$146.95 | Members:21482 |
| Name:MONTANA FEDERAL CREDIT UNION | City:Great Falls | Size (Millions):$174.22 | Members:20876 |
| Name:ALTANA FEDERAL CREDIT UNION | City:Billings | Size (Millions):$201.72 | Members:20598 |
| Name:HELENA COMMUNITY CREDIT UNION | City:Helena | Size (Millions):$139.09 | Members:14871 |
| Name:BEAR PAW CREDIT UNION | City:Havre | Size (Millions):$80.17 | Members:13089 |
| Name:ROCKY MOUNTAIN CREDIT UNION | City:Helena | Size (Millions):$126.68 | Members:12124 |
| Name:PARK SIDE FEDERAL CREDIT UNION | City:Whitefish | Size (Millions):$115.37 | Members:11401 |
| Name:RUSSELL COUNTRY FEDERAL CREDIT UNION | City:Great Falls | Size (Millions):$60.42 | Members:10509 |
| Name:MONTANA FIRST CREDIT UNION | City:Missoula | Size (Millions):$62.13 | Members:9597 |
| Name:GREAT FALLS TEACHERS FEDERAL CREDIT UNION | City:Great Falls | Size (Millions):$81.74 | Members:9360 |
| Name:BILLINGS FEDERAL CREDIT UNION | City:Billings | Size (Millions):$95.03 | Members:8682 |
| Name:SKY FEDERAL CREDIT UNION | City:Livingston | Size (Millions):$83.10 | Members:8022 |
| Name:SOUTHWEST MONTANA COMMUNITY FEDERAL CREDIT UNION | City:Anaconda | Size (Millions):$103.49 | Members:7470 |
| Name:LINCOLN COUNTY CREDIT UNION | City:Libby | Size (Millions):$93.95 | Members:6534 |
| Name:GATEWAY COMMUNITY FEDERAL CREDIT UNION | City:Missoula | Size (Millions):$57.47 | Members:6199 |
| Name:FERGUS FEDERAL CREDIT UNION | City:Lewistown | Size (Millions):$44.23 | Members:5871 |
| Name:RICHLAND FEDERAL CREDIT UNION | City:Sidney | Size (Millions):$60.59 | Members:4950 |
| Name:EDTECH FEDERAL CREDIT UNION | City:Butte | Size (Millions):$68.63 | Members:4676 |
| Name:RAVALLI COUNTY FEDERAL CREDIT UNION | City:Hamilton | Size (Millions):$31.75 | Members:4476 |
| Name:DANIELS-SHERIDAN FEDERAL CREDIT UNION | City:Scobey | Size (Millions):$57.61 | Members:4376 |
| Name:RIMROCK CREDIT UNION | City:Billings | Size (Millions):$32.46 | Members:4372 |
| Name:TRICO COMMUNITY FEDERAL CREDIT UNION | City:Helena | Size (Millions):$20.36 | Members:3920 |
| Name:ENERGCOMM FEDERAL CREDIT UNION | City:Butte | Size (Millions):$29.27 | Members:3858 |
| Name:HIGH PEAKS FEDERAL CREDIT UNION | City:Dillon | Size (Millions):$19.38 | Members:3589 |
| Name:COMMUNITY 1ST FEDERAL CREDIT UNION | City:Miles City | Size (Millions):$20.71 | Members:3200 |
| Name:MONTANA HEALTH FEDERAL CREDIT UNION | City:Billings | Size (Millions):$19.17 | Members:3082 |
| Name:ELKHORN FEDERAL CREDIT UNION | City:Helena | Size (Millions):$14.11 | Members:2738 |
| Name:MCCONE COUNTY FEDERAL CREDIT UNION | City:Circle | Size (Millions):$49.28 | Members:2651 |
| Name:THE HERITAGE FEDERAL CREDIT UNION | City:Butte | Size (Millions):$17.05 | Members:2376 |
| Name:WOLF POINT FEDERAL CREDIT UNION | City:Wolf Point | Size (Millions):$9.73 | Members:2337 |
| Name:MILE HIGH FEDERAL CREDIT UNION | City:Butte | Size (Millions):$19.20 | Members:2288 |
| Name:BUTTE COMMUNITY FEDERAL CREDIT UNION | City:Butte | Size (Millions):$13.69 | Members:2249 |
| Name:BADLANDS FEDERAL CREDIT UNION | City:Glendive | Size (Millions):$17.42 | Members:2227 |
| Name:THE FAMILY FIRST FEDERAL CREDIT UNION | City:Great Falls | Size (Millions):$12.57 | Members:2215 |
| Name:GLENDIVE BN FEDERAL CREDIT UNION | City:Glendive | Size (Millions):$25.08 | Members:2121 |
| Name:SEG FEDERAL CREDIT UNION | City:Laurel | Size (Millions):$11.61 | Members:1645 |
| Name:MONTANA EDUCATORS’ CREDIT UNION | City:Missoula | Size (Millions):$13.85 | Members:1629 |
| Name:SHELBY COMMUNITY FEDERAL CREDIT UNION | City:Shelby | Size (Millions):$7.68 | Members:1620 |
| Name:GLENDIVE P E FEDERAL CREDIT UNION | City:Glendive | Size (Millions):$9.68 | Members:1548 |
| Name:KOOTENAI VALLEY FEDERAL CREDIT UNION | City:Libby | Size (Millions):$3.44 | Members:1368 |
| Name:FORT PECK COMMUNITY FEDERAL CREDIT UNION | City:Fort Peck | Size (Millions):$9.77 | Members:1336 |
| Name:MOUNTAIN WEST FEDERAL CREDIT UNION | City:Butte | Size (Millions):$5.66 | Members:1273 |
| Name:BITTERROOT COMMUNITY FEDERAL CREDIT UNION | City:Darby | Size (Millions):$6.32 | Members:1193 |
| Name:BIG SKY FEDERAL CREDIT UNION | City:Billings | Size (Millions):$7.69 | Members:1111 |
| Name:FALLON COUNTY FEDERAL CREDIT UNION | City:Whitefish | Size (Millions):$7.07 | Members:933 |
| Name:ST. PATS EMPLOYEES FEDERAL CREDIT UNION | City:Missoula | Size (Millions):$3.28 | Members:902 |
| Name:M D U EMPLOYEES FEDERAL CREDIT UNION | City:Glendive | Size (Millions):$4.41 | Members:755 |
| Name:MILES CITY FEDERAL CREDIT UNION | City:Miles City | Size (Millions):$2.74 | Members:603 |
| Name:DEER LODGE COUNTY SCHOOL EMP FEDERAL CREDIT UNION | City:Anaconda | Size (Millions):$3.86 | Members:591 |
| Name:HOMESTEAD FEDERAL CREDIT UNION | City:Billings | Size (Millions):$2.88 | Members:499 |
| Name:M M EMPLOYEES FEDERAL CREDIT UNION | City:Missoula | Size (Millions):$0.99 | Members:471 |
| Name:TRICOUNTY FEDERAL CREDIT UNION | City:Harlowton | Size (Millions):$1.28 | Members:436 |
| Name:FROID FEDERAL CREDIT UNION | City:Froid | Size (Millions):$1.04 | Members:267 |
| Name:NORTHERN MONTANA HOSPITAL FEDERAL CREDIT UNION | City:Havre | Size (Millions):$0.72 | Members:248 |
