Best Personal Loans in Montana

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses. In Montana, personal loans are capped at 36% APR for licensed consumer lenders, overseen by the Montana Division of Banking and Financial Institutions.

Montana Lending Overview

Personal Loan APR cap

36%

Median Home Price

$440,000

Median Household Income

$66,000

Avg Student Debt

$33,013

State Regulator

Montana Division of Banking and Financial Institutions

Notable law: Montana voters passed a 36% APR cap on all consumer loans via ballot initiative in 2010, which effectively ended payday lending in the state overnight.

8 Personal Loans Lenders serving Montana

Best Egg

Personal Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Montana

Apply at Best Egg

Better Mortgage

Personal Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Montana

Apply at Better Mortgage

Bluevine

Personal Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Montana

Apply at Bluevine

Capital One Auto

Personal Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Montana

Apply at Capital One Auto

Earnest

Personal Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Montana

Apply at Earnest

LightStream

Personal Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Montana

Apply at LightStream

LightStream Auto

Personal Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Montana

Apply at LightStream Auto

OnDeck

Personal Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Montana

Apply at OnDeck

Montana Lending Laws

Montana voters passed a 36% APR cap on all consumer loans via ballot initiative in 2010, which effectively ended payday lending in the state overnight.

The primary regulator for consumer lending in Montana is the Montana Division of Banking and Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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