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Payday Loans in Montana — Laws, Limits & Online Lenders

Compare licensed payday lenders in Montana. One application, multiple offers, no credit impact.

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2 Compare Offers
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Montana Payday Loan Laws at a Glance

Max Loan Amount $300
Max APR 36%
Max Term 31 days
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Mont. Code § 31-1-701
Note: 36% APR cap since 2010. Very restrictive — verify with LeadsMarket.

How to Get a Payday Loan in Montana

Getting a payday loan in Montana is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Montana-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Montana Borrowers

  • Must be 18 years or older (resident of Montana)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Montana

Under Mont. Code § 31-1-701, payday lenders in Montana may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Montana may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Montana and other state payday loan laws.

Payday Loans by City in Montana

Select your city for local payday loan information, lender options, and Montana regulations that apply to your area.

Billings Missoula Great Falls Bozeman Butte Helena

Montana Payday Loan FAQ

Are payday loans legal in Montana?

Yes. Payday loans are legal in Montana under Mont. Code § 31-1-701. Lenders must be licensed by the state banking regulator.

How much can I borrow in Montana?

The maximum payday loan amount in Montana is $300. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Montana?

The maximum APR for payday loans in Montana is approximately 36%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Montana?

Prohibited

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