Loans in Gallatin County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gallatin County, MT.
The median household in Gallatin County earns $93,528 a year, 29% above the Montana median of $72,509. About 10% of residents live below the federal poverty line, and 38.9% of households rent their home.
What you need for a personal loan in Gallatin County
Here's what to have on hand before you start your personal loan request in Gallatin County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Gallatin County
What Gallatin County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Gallatin County
Payday Loans Not available
Montana still has a Deferred Deposit Loan Act, but since Initiative 164 (2010) fees are capped at 36% a year.
Personal Loans
Licensed consumer lenders may charge no more than 36% a year interest, plus limited deferral and late fees.
Title Loans Not available
Montana's Title Loan Act was repealed in 2013.
Banks and credit unions in Gallatin County
Banks with branches in Gallatin County
42 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 9 | 208 E Main St, Bozeman 59715 |
| Stockman Bank of Montana | 5 | 1815 S 19th Ave, Bozeman 59718 |
| Manhattan Bank | 4 | 124 S Broadway St, Manhattan 59741 |
| First Interstate Bank | 4 | 98 N Broadway, Belgrade 59714 |
| American Bank | 3 | 1632 W Main St, Bozeman 59715 |
| Opportunity Bank of Montana | 3 | 120 S Montana St, Three Forks 59752 |
| Wells Fargo Bank, National Association | 2 | 211 W Main St, Bozeman 59715 |
| U.S. Bank National Association | 2 | 104 E Main St, Bozeman 59715 |
| Madison Valley Bank | 2 | 216 Grizzly Ave, West Yellowstone 59758 |
| First Montana Bank, Inc. | 1 | 1336 Stoneridge Dr, Bozeman 59718 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Gallatin County
11 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Clearwater | 5 W Mendenhall St, Bozeman 59715 |
| Horizon | 1400 N 19Th Ave Ste A, Bozeman 59718 |
| Whitefish Credit Union Association | 1905 S 19Th Ave, Bozeman 59718 |
| Valley Financial | 1707 Oak St Ste A, Bozeman 59715 |
| Rocky Mountain | 8645 Huffine Ln, Bozeman 59718 |
| Intrepid | 424 E Main St Ste 102B, Bozeman 59715 |
| Sky | 777 E Main St Ste 102, Bozeman 59715 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Gallatin County
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Gallatin County?
Gallatin County follows Montana law. Montana still has a Deferred Deposit Loan Act, but since Initiative 164 (2010) fees are capped at 36% a year.
Are title loans legal in Gallatin County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Gallatin County?
Options include 42 bank and 11 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Gallatin County?
Fill out our short online form from anywhere in Gallatin County. We share it with lenders in our network that serve Montana; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Gallatin County?
Yes. When an unexpected bill comes up, Gallatin County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I apply for a loan online in Gallatin County?
Yes. You don't need to visit a branch or storefront anywhere in Gallatin County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Montana. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Gallatin County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Gallatin County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Gallatin County with bad credit?
Yes, many lenders in our network work with Gallatin County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.