Loan Rules and Licensed Lenders in Montana

Complete guide to payday, installment, bad credit, title, and consolidation loan rules in Montana. See what is legal, what the rate caps are, and how to find a licensed lender.

Call free (800) 236-7761 Toll-free. Weekdays 7am to 10pm, weekends 9am to 6pm Central.

Quick answer

Montana is served by the Montana Division of Banking and Financial Institutions (BFID). Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in Montana today.

RegulatorMontana Division of Banking and Financial Institutions (BFID

Phone(406) 841-2920

ComplaintsFile a complaint

Montana loan rules at a glance

Payday max amount: No dollar amount cap stated in the Deferred Deposit Loan Act text reviewed (MCA 31-1-701 et seq.); fee capped at 36% per annum
Payday term: Not stated in statute text reviewed
Payday cost cap: 36% per annum exclusive of insufficient-funds fees (MCA 31-1-722(2))
Payday licensing: Deferred deposit loan license required under MCA 31-1-701 et seq.; issued through NMLS [s1]
Title loan term: Not stated
Title loan rate: Title loans fall within the Montana Consumer Loan Act; consumer-loan interest may not exceed 36% a year (MCA 32-5-301(1)
Governing statutes: MCA Montana Deferred Deposit Loan Act, Montana Consumer Loan Act, amd. Sec. 6

Regulator: Montana Division of Banking and Financial Institutions (BFID) · Phone: (406) 841-2920 · Statutes: MCA Montana Deferred Deposit Loan Act, Montana Consumer Loan Act, amd. Sec. 6 · Last verified: 2026-10-08

Loan products in Montana

The table below summarises each product's legal status and key limits under Montana law. Click a product to see the detailed guide.

Loan type	Status	Key limits
Payday loans	Restricted	36% per annum exclusive of insufficient-funds fees (MCA 31-1-722(2))
Cash advance	Restricted	A cash advance against a deferred deposit (post-dated check or electronic debit authorization) is tr
Title loans	Restricted	Title loans fall within the Montana Consumer Loan Act; consumer-loan interest may not exceed 36% a y
Installment loans	Restricted	State limits apply
Bad credit loans	Restricted	Same legal rules as installment unless noted; no separate bad-credit loan statute found in primary s
Debt consolidation	Unclear	Check with the state regulator
Refinance	Restricted	Consumer loan license (NMLS) covers making/servicing consumer loans including refinance of consumer

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Cities in Montana

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