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Payday Loans in Montana

Compare licensed lenders • Check MT regulations • Apply online

Last updated: June 2026

Max Loan
$300
Cities Covered
0
Legal Status
Legal
Population
1,084,225

Montana Payday Loan Regulations

Max Loan Amount:$300
Max Term:31 days
Typical APR:400%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Montana are regulated by Division of Banking. Maximum $300 with typical APR 400%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Montana

Payday loans in Montana are regulated by Division of Banking. Maximum $300 with typical APR 400%.

Montana is located in the West region of the United States with a population of 1,084,225.

Key Regulations:

  • Maximum APR: 400%
  • Maximum loan amount: $300
  • Maximum term: 31 days
  • Rollovers allowed
  • Regulated by Montana Division of Banking and Financial Institutions

Regulatory Authority: Montana Division of Banking and Financial Institutions
Official Website: https://banking.mt.gov/

Representative Example APR in Montana

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Montana depend on lender pricing, term length, and state compliance limits.

Cities in Montana

Browse all 0 city pages in Montana

Frequently Asked Questions – Montana

Are payday loans legal in Montana?
Yes, payday loans are legal in Montana. The state is regulated by the Montana Division of Banking and Financial Institutions, which oversees all payday lenders. Payday loans in Montana are regulated by Division of Banking. Maximum $300 with typical APR 400%.
What is the maximum payday loan amount in MT?
The maximum payday loan amount in Montana is $300. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Montana?
In Montana, payday loans typically have a maximum term of 31 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in MT?
Payday loans in Montana are regulated by Division of Banking. Maximum $300 with typical APR 400%.
How do I find licensed payday lenders in Montana?
All payday lenders in Montana must be licensed by the Montana Division of Banking and Financial Institutions. You can verify a lender's license at https://banking.mt.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in MT?
Most Montana payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Montana?
In Montana, the maximum APR is 400%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in MT?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Montana may change. Always verify current regulations with the Montana Division of Banking and Financial Institutions before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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