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Best Loans in Montana, Payday, Auto Title Laws 2020

EPF Last Update: June 7, 2020

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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 the amount of financing, Montana does not regulate the amount of credit extended to borrowers. Finalized terms are determined by the lender and the borrower. Similarly, banks, building and loan associations, savings and loan association, 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 2020

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Montana

Not a direct lender

Amount

$100 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 Months

Licensed in Montana

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Montana

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Montana

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Montana

Not a direct lender

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

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Montana

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Montana

Yes

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

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

Not a direct lender

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

Best Personal Loans for Good Credit in Montana 2020

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

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

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

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

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

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Montana

Yes

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

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

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

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Montana

Yes

To browse through some other great companies, see our full list of recommended lenders.

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Payday Loan Laws in Montana 2020

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 his or her 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. As well, 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

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 apply to Montana payday laws, apply for all countries.

CityAmount AllowedAPR AllowedStatus
Billings$30036%Legal
Missoula$30036%Legal
Great Falls$30036%Legal
Bozeman$30036%Legal
Butte-Silver Bow$30036%Legal
Helena$30036%Legal
Kalispell$30036%Legal
Havre$30036%Legal
Anaconda-Deer Lodge County$30036%Legal
Miles City$30036%Legal
Belgrade$30036%Legal
Helena Valley West Central$30036%Legal
Helena Valley Southeast$30036%Legal
Evergreen$30036%Legal
Lockwood$30036%Legal
Livingston$30036%Legal
Whitefish$30036%Legal
Laurel$30036%Legal
Sidney$30036%Legal
Lewistown$30036%Legal
Orchard Homes$30036%Legal
Glendive$30036%Legal
Columbia Falls$30036%Legal
Polson$30036%Legal
Hamilton$30036%Legal
Bigfork$30036%Legal
Four Corners$30036%Legal
Dillon$30036%Legal
Helena Valley Northwest$30036%Legal
Malmstrom AFB$30036%Legal
Hardin$30036%Legal
Lolo$30036%Legal
Glasgow$30036%Legal
Helena Valley Northeast$30036%Legal
Shelby$30036%Legal
Big Sky$30036%Legal
Cut Bank$30036%Legal

Best Auto Loans for Bad Credit in Montana 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Montana

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Montana

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Montana

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Montana

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Montana

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Montana

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Montana

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Montana

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Montana

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in Montana

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in Montana

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Montana

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Montana

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Montana

Yes

Best Auto Loans for Good Credit in Montana 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Montana

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Montana

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Montana

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Montana

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in Montana

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Montana

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Montana

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Montana

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in Montana

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in Montana

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Montana

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in Montana

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Montana

Yes

FHA Loans in Montana

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.

CountySingle 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

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Montana

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Montana

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Montana

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Montana

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Montana

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Montana

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Montana

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Montana

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Montana

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Montana

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Montana

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Montana

Yes

All Licensed Credit Unions in Montana

NameCitySize (Millions)Members
WHITEFISH CREDIT UNION ASSOCIATIONWhitefish$1,220.6657000
MISSOULA FEDERAL CREDIT UNIONMissoula$350.1243510
VALLEY FCU OF MONTANA FEDERAL CREDIT UNIONBillings$170.6024694
1ST LIBERTY FEDERAL CREDIT UNIONGreat Falls$146.9521482
MONTANA FEDERAL CREDIT UNIONGreat Falls$174.2220876
ALTANA FEDERAL CREDIT UNIONBillings$201.7220598
HELENA COMMUNITY CREDIT UNIONHelena$139.0914871
BEAR PAW CREDIT UNIONHavre$80.1713089
ROCKY MOUNTAIN CREDIT UNIONHelena$126.6812124
PARK SIDE FEDERAL CREDIT UNIONWhitefish$115.3711401
RUSSELL COUNTRY FEDERAL CREDIT UNIONGreat Falls$60.4210509
MONTANA FIRST CREDIT UNIONMissoula$62.139597
GREAT FALLS TEACHERS FEDERAL CREDIT UNIONGreat Falls$81.749360
BILLINGS FEDERAL CREDIT UNIONBillings$95.038682
SKY FEDERAL CREDIT UNIONLivingston$83.108022
SOUTHWEST MONTANA COMMUNITY FEDERAL CREDIT UNIONAnaconda$103.497470
LINCOLN COUNTY CREDIT UNIONLibby$93.956534
GATEWAY COMMUNITY FEDERAL CREDIT UNIONMissoula$57.476199
FERGUS FEDERAL CREDIT UNIONLewistown$44.235871
RICHLAND FEDERAL CREDIT UNIONSidney$60.594950
EDTECH FEDERAL CREDIT UNIONButte$68.634676
RAVALLI COUNTY FEDERAL CREDIT UNIONHamilton$31.754476
DANIELS-SHERIDAN FEDERAL CREDIT UNIONScobey$57.614376
RIMROCK CREDIT UNIONBillings$32.464372
TRICO COMMUNITY FEDERAL CREDIT UNIONHelena$20.363920
ENERGCOMM FEDERAL CREDIT UNIONButte$29.273858
HIGH PEAKS FEDERAL CREDIT UNIONDillon$19.383589
COMMUNITY 1ST FEDERAL CREDIT UNIONMiles City$20.713200
MONTANA HEALTH FEDERAL CREDIT UNIONBillings$19.173082
ELKHORN FEDERAL CREDIT UNIONHelena$14.112738
MCCONE COUNTY FEDERAL CREDIT UNIONCircle$49.282651
THE HERITAGE FEDERAL CREDIT UNIONButte$17.052376
WOLF POINT FEDERAL CREDIT UNIONWolf Point$9.732337
MILE HIGH FEDERAL CREDIT UNIONButte$19.202288
BUTTE COMMUNITY FEDERAL CREDIT UNIONButte$13.692249
BADLANDS FEDERAL CREDIT UNIONGlendive$17.422227
THE FAMILY FIRST FEDERAL CREDIT UNIONGreat Falls$12.572215
GLENDIVE BN FEDERAL CREDIT UNIONGlendive$25.082121
SEG FEDERAL CREDIT UNIONLaurel$11.611645
MONTANA EDUCATORS’ CREDIT UNIONMissoula$13.851629
SHELBY COMMUNITY FEDERAL CREDIT UNIONShelby$7.681620
GLENDIVE P E FEDERAL CREDIT UNIONGlendive$9.681548
KOOTENAI VALLEY FEDERAL CREDIT UNIONLibby$3.441368
FORT PECK COMMUNITY FEDERAL CREDIT UNIONFort Peck$9.771336
MOUNTAIN WEST FEDERAL CREDIT UNIONButte$5.661273
BITTERROOT COMMUNITY FEDERAL CREDIT UNIONDarby$6.321193
BIG SKY FEDERAL CREDIT UNIONBillings$7.691111
FALLON COUNTY FEDERAL CREDIT UNIONWhitefish$7.07933
ST. PATS EMPLOYEES FEDERAL CREDIT UNIONMissoula$3.28902
M D U EMPLOYEES FEDERAL CREDIT UNIONGlendive$4.41755
MILES CITY FEDERAL CREDIT UNIONMiles City$2.74603
DEER LODGE COUNTY SCHOOL EMP FEDERAL CREDIT UNIONAnaconda$3.86591
HOMESTEAD FEDERAL CREDIT UNIONBillings$2.88499
M M EMPLOYEES FEDERAL CREDIT UNIONMissoula$0.99471
TRICOUNTY FEDERAL CREDIT UNIONHarlowton$1.28436
FROID FEDERAL CREDIT UNIONFroid$1.04267
NORTHERN MONTANA HOSPITAL FEDERAL CREDIT UNIONHavre$0.72248

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