Loans in Lewis and Clark County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lewis and Clark County, MT.
The median household in Lewis and Clark County earns $78,237 a year, 8% above the Montana median of $72,509. About 8% of residents live below the federal poverty line, and 29.9% of households rent their home.
What you need for a personal loan in Lewis and Clark County
Most Lewis and Clark 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 Lewis and Clark County
What Lewis and Clark County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Lewis and Clark 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Montana's Title Loan Act was repealed in 2013.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 Lewis and Clark County
Banks with branches in Lewis and Clark County
25 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 4 | 3030 N Montana Ave, Helena 59601 |
| Opportunity Bank of Montana | 4 | 1400 Prospect Ave, Helena 59601 |
| First Interstate Bank | 3 | 3401 N Montana Ave, Helena 59602 |
| Stockman Bank of Montana | 3 | 931 N Last Chance Gulch, Helena 59601 |
| Wells Fargo Bank, National Association | 2 | 350 N Last Chance Gulch, Helena 59601 |
| Ascent Bank | 2 | 1721 11th Ave, Helena 59601 |
| U.S. Bank National Association | 1 | 302 N Last Chance Gulch, Helena 59601 |
| Bank of The Rockies | 1 | 2000 Prospect Ave, Helena 59601 |
| Citizens Alliance Bank | 1 | 503 Main St, Lincoln 59639 |
| Farmers State Bank | 1 | 2125 N Last Chance Gulch, Helena 59601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lewis and Clark County
9 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Clearwater | 2711 Airport Rd Ste F, Helena 59601 |
| Rocky Mountain | 3400 N Montana Ave, Helena 59602 |
| Intrepid | 915 Kessler St, Helena 59601 |
| Vocal | 2910 Prospect Ave, Helena 59601 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lewis and Clark County
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Lewis and Clark County?
Lewis and Clark 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 Lewis and Clark County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Lewis and Clark County?
Options include 25 bank and 9 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 Lewis and Clark County?
Fill out our short online form from anywhere in Lewis and Clark 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 Lewis and Clark County?
Yes. You don't need to visit a branch or storefront anywhere in Lewis and Clark 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 Lewis and Clark County with bad credit?
Yes, many lenders in our network work with Lewis and Clark 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.
Where can I get a loan in Lewis and Clark County, MT?
You can apply at banks, credit unions and lenders in Lewis and Clark County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Montana residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Lewis and Clark 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. Lewis and Clark County residents can start any time, and it takes about 3 minutes.