Loans in Granite County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Granite County, MT.
The median household in Granite County earns $59,265 a year, 18% below the Montana median of $72,509. About 10% of residents live below the federal poverty line, and 22.1% of households rent their home. 10.6% of households have no home internet; our form works on any phone.
What you need for a personal loan in Granite County
Most Granite County applicants can finish in one sitting if they have these ready:
- 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 Granite County
What Granite County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Granite 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Montana's Title Loan Act was repealed in 2013.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 Granite County
Banks with branches in Granite County
2 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Alliance Bank | 2 | 139 E Broadway St, Philipsburg 59858 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Granite County. The nearest counties with credit unions:
Credit unions in Deer Lodge County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Southwest Montana Community | 1035 W Park Ave, Anaconda 59711 |
| Deer Lodge County School Emp | 112 W 3Rd St, Anaconda 59711 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Ravalli County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Clearwater | 107 Main St, Stevensville 59870 |
| Ravalli County | 501 N 1St St, Hamilton 59840 |
| Bitterroot Community | Po Box 467, Darby 59829 |
Source: NCUA credit union branch data, June 30, 2026.
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Granite County?
Granite 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 Granite County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Granite County?
Options include 2 bank 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 Granite County?
Fill out our short online form from anywhere in Granite 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 a loan in Granite 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. Granite County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Granite County?
Yes. You don't need to visit a branch or storefront anywhere in Granite 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 an emergency loan in Granite County?
Yes. When an unexpected bill comes up, Granite 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 get a loan in Granite County with bad credit?
Yes, many lenders in our network work with Granite 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.