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Best Loans in Montana, Payday, Auto Title Laws of January 2025

Elite Personal Finance
Last Update: December 1, 2024 • Loans By State •
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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 January 2025

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

580
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

90 Days - 72 Months
Licensed in Montana:

Yes
Get started

If you need help selecting a bad credit loan, see our complete guide.

Best Personal Loans for Good Credit in Montana of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 – $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 – $35,000
Min. Credit Score:

580
APR:

5.99% – 35.99%
Approval:

< 1 Day
Terms:

90 Days – 72 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000
Min. Credit Score:

500
APR:

3.99% – 35.99%
Approval:

< 1 Day
Terms:

1 – 5 Years
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000 – $35,000
Min. Credit Score:

640
APR:

5.99% – 24.99%
Approval:

1 – 7 Days
Terms:

2 - 5 Years
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$2,500-$35,000
Min. Credit Score:

660
APR:

6.99-24.99%
Approval:

1 Day
Terms:

24 - 84 Months
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in Montana:

Yes
Get started

Payday Loan Laws in Montana of January 2025

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 January 2025

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:
Billings $300 36% Legal
Missoula $300 36% Legal
Great Falls $300 36% Legal
Bozeman $300 36% Legal
Butte-Silver Bow $300 36% Legal
Helena $300 36% Legal
Kalispell $300 36% Legal
Havre $300 36% Legal
Anaconda-Deer Lodge County $300 36% Legal
Miles City $300 36% Legal
Belgrade $300 36% Legal
Helena Valley West Central $300 36% Legal
Helena Valley Southeast $300 36% Legal
Evergreen $300 36% Legal
Lockwood $300 36% Legal
Livingston $300 36% Legal
Whitefish $300 36% Legal
Laurel $300 36% Legal
Sidney $300 36% Legal
Lewistown $300 36% Legal
Orchard Homes $300 36% Legal
Glendive $300 36% Legal
Columbia Falls $300 36% Legal
Polson $300 36% Legal
Hamilton $300 36% Legal
Bigfork $300 36% Legal
Four Corners $300 36% Legal
Dillon $300 36% Legal
Helena Valley Northwest $300 36% Legal
Malmstrom AFB $300 36% Legal
Hardin $300 36% Legal
Lolo $300 36% Legal
Glasgow $300 36% Legal
Helena Valley Northeast $300 36% Legal
Shelby $300 36% Legal
Big Sky $300 36% Legal
Cut Bank $300 36% Legal

Best Auto Loans for Bad Credit in Montana of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Montana:

Yes
Get started

Best Auto Loans for Good Credit in Montana of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Montana:

Yes
Get started

FHA Loans in Montana of January 2025

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):
Beaverhead County $331,760 $638,100
Big Horn County $331,760 $638,100
Blaine County $331,760 $638,100
Broadwater County $331,760 $638,100
Carbon County $331,760 $638,100
Carter County $331,760 $638,100
Cascade County $331,760 $638,100
Chouteau County $331,760 $638,100
Custer County $331,760 $638,100
Daniels County $331,760 $638,100
Dawson County $331,760 $638,100
Deer Lodge County $331,760 $638,100
Fallon County $331,760 $638,100
Fergus County $331,760 $638,100
Flathead County $343,850 $661,250
Gallatin County $438,150 $842,600
Garfield County $331,760 $638,100
Glacier County $331,760 $638,100
Golden Valley County $331,760 $638,100
Granite County $331,760 $638,100
Hill County $331,760 $638,100
Jefferson County $331,760 $638,100
Judith Basin County $331,760 $638,100
Lake County $331,760 $638,100
Lewis And Clark County $331,760 $638,100
Liberty County $331,760 $638,100
Lincoln County $331,760 $638,100
Madison County $331,760 $638,100
Mccone County $331,760 $638,100
Meagher County $331,760 $638,100
Mineral County $331,760 $638,100
Missoula County $350,750 $674,500
Musselshell County $331,760 $638,100
Park County $336,950 $648,000
Petroleum County $331,760 $638,100
Phillips County $331,760 $638,100
Pondera County $331,760 $638,100
Powder River County $331,760 $638,100
Powell County $331,760 $638,100
Prairie County $331,760 $638,100
Ravalli County $331,760 $638,100
Richland County $331,760 $638,100
Roosevelt County $331,760 $638,100
Rosebud County $331,760 $638,100
Sanders County $331,760 $638,100
Sheridan County $331,760 $638,100
Silver Bow County $331,760 $638,100
Stillwater County $331,760 $638,100
Sweet Grass County $331,760 $638,100
Teton County $331,760 $638,100
Toole County $331,760 $638,100
Treasure County $331,760 $638,100
Valley County $331,760 $638,100
Wheatland County $331,760 $638,100
Wibaux County $331,760 $638,100
Yellowstone County $331,760 $638,100

Business Loans in Montana of January 2025

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Montana:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in Montana:

Yes
Get started

All Licensed Credit Unions in Montana of January 2025

Name: City: Size (Millions): Members:
WHITEFISH CREDIT UNION ASSOCIATION Whitefish $1,220.66 57000
MISSOULA FEDERAL CREDIT UNION Missoula $350.12 43510
VALLEY FCU OF MONTANA FEDERAL CREDIT UNION Billings $170.60 24694
1ST LIBERTY FEDERAL CREDIT UNION Great Falls $146.95 21482
MONTANA FEDERAL CREDIT UNION Great Falls $174.22 20876
ALTANA FEDERAL CREDIT UNION Billings $201.72 20598
HELENA COMMUNITY CREDIT UNION Helena $139.09 14871
BEAR PAW CREDIT UNION Havre $80.17 13089
ROCKY MOUNTAIN CREDIT UNION Helena $126.68 12124
PARK SIDE FEDERAL CREDIT UNION Whitefish $115.37 11401
RUSSELL COUNTRY FEDERAL CREDIT UNION Great Falls $60.42 10509
MONTANA FIRST CREDIT UNION Missoula $62.13 9597
GREAT FALLS TEACHERS FEDERAL CREDIT UNION Great Falls $81.74 9360
BILLINGS FEDERAL CREDIT UNION Billings $95.03 8682
SKY FEDERAL CREDIT UNION Livingston $83.10 8022
SOUTHWEST MONTANA COMMUNITY FEDERAL CREDIT UNION Anaconda $103.49 7470
LINCOLN COUNTY CREDIT UNION Libby $93.95 6534
GATEWAY COMMUNITY FEDERAL CREDIT UNION Missoula $57.47 6199
FERGUS FEDERAL CREDIT UNION Lewistown $44.23 5871
RICHLAND FEDERAL CREDIT UNION Sidney $60.59 4950
EDTECH FEDERAL CREDIT UNION Butte $68.63 4676
RAVALLI COUNTY FEDERAL CREDIT UNION Hamilton $31.75 4476
DANIELS-SHERIDAN FEDERAL CREDIT UNION Scobey $57.61 4376
RIMROCK CREDIT UNION Billings $32.46 4372
TRICO COMMUNITY FEDERAL CREDIT UNION Helena $20.36 3920
ENERGCOMM FEDERAL CREDIT UNION Butte $29.27 3858
HIGH PEAKS FEDERAL CREDIT UNION Dillon $19.38 3589
COMMUNITY 1ST FEDERAL CREDIT UNION Miles City $20.71 3200
MONTANA HEALTH FEDERAL CREDIT UNION Billings $19.17 3082
ELKHORN FEDERAL CREDIT UNION Helena $14.11 2738
MCCONE COUNTY FEDERAL CREDIT UNION Circle $49.28 2651
THE HERITAGE FEDERAL CREDIT UNION Butte $17.05 2376
WOLF POINT FEDERAL CREDIT UNION Wolf Point $9.73 2337
MILE HIGH FEDERAL CREDIT UNION Butte $19.20 2288
BUTTE COMMUNITY FEDERAL CREDIT UNION Butte $13.69 2249
BADLANDS FEDERAL CREDIT UNION Glendive $17.42 2227
THE FAMILY FIRST FEDERAL CREDIT UNION Great Falls $12.57 2215
GLENDIVE BN FEDERAL CREDIT UNION Glendive $25.08 2121
SEG FEDERAL CREDIT UNION Laurel $11.61 1645
MONTANA EDUCATORS’ CREDIT UNION Missoula $13.85 1629
SHELBY COMMUNITY FEDERAL CREDIT UNION Shelby $7.68 1620
GLENDIVE P E FEDERAL CREDIT UNION Glendive $9.68 1548
KOOTENAI VALLEY FEDERAL CREDIT UNION Libby $3.44 1368
FORT PECK COMMUNITY FEDERAL CREDIT UNION Fort Peck $9.77 1336
MOUNTAIN WEST FEDERAL CREDIT UNION Butte $5.66 1273
BITTERROOT COMMUNITY FEDERAL CREDIT UNION Darby $6.32 1193
BIG SKY FEDERAL CREDIT UNION Billings $7.69 1111
FALLON COUNTY FEDERAL CREDIT UNION Whitefish $7.07 933
ST. PATS EMPLOYEES FEDERAL CREDIT UNION Missoula $3.28 902
M D U EMPLOYEES FEDERAL CREDIT UNION Glendive $4.41 755
MILES CITY FEDERAL CREDIT UNION Miles City $2.74 603
DEER LODGE COUNTY SCHOOL EMP FEDERAL CREDIT UNION Anaconda $3.86 591
HOMESTEAD FEDERAL CREDIT UNION Billings $2.88 499
M M EMPLOYEES FEDERAL CREDIT UNION Missoula $0.99 471
TRICOUNTY FEDERAL CREDIT UNION Harlowton $1.28 436
FROID FEDERAL CREDIT UNION Froid $1.04 267
NORTHERN MONTANA HOSPITAL FEDERAL CREDIT UNION Havre $0.72 248
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