Loans in Lake County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lake County, MT.
The median household in Lake County earns $63,360 a year, 13% below the Montana median of $72,509. About 17% of residents live below the federal poverty line, and 25.0% of households rent their home. 12.1% of households have no home internet; our form works on any phone.
What you need for a personal loan in Lake County
Most Lake 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 Lake County
What Lake County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Lake 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Montana's Title Loan Act was repealed in 2013.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 Lake County
Banks with branches in Lake County
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Valley Bank of Ronan | 4 | 102 Crystal Street, Saint Ignatius 59865 |
| Glacier Bank | 3 | 63239 Us Highway 93, Ronan 59864 |
| First Interstate Bank | 1 | 49573 Us Highway 93, Polson 59860 |
| Eagle Bank | 1 | 80 Heritage Ln, Polson 59860 |
| Unity Bank | 1 | 104 Ridgewater Dr, Polson 59860 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lake County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Whitefish Credit Union Association | 110 3Rd Ave E, Polson 59860 |
| Park Side Financial | 8111 Hwy 35, Bigfork 59911 |
Source: NCUA credit union branch data, June 30, 2026.
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Lake County?
Lake 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 Lake County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Lake County?
Options include 10 bank and 2 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 Lake County?
Fill out our short online form from anywhere in Lake 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 apply for a loan online in Lake County?
Yes. You don't need to visit a branch or storefront anywhere in Lake 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 Lake 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. Lake County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Lake County with bad credit?
Yes, many lenders in our network work with Lake 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.
Can I get an emergency loan in Lake County?
Yes. When an unexpected bill comes up, Lake 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.