Loans in Lincoln County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lincoln County, MT.
The median household in Lincoln County earns $47,143 a year, 35% below the Montana median of $72,509. About 15% of residents live below the federal poverty line, and 22.4% of households rent their home. 11.4% of households have no home internet; our form works on any phone.
What you need for a personal loan in Lincoln County
Here's what to have on hand before you start your personal loan request in Lincoln 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 Lincoln County
What Lincoln County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Lincoln 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Montana's Title Loan Act was repealed in 2013.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 Lincoln County
Banks with branches in Lincoln County
6 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 2 | 222 Dewey Ave, Eureka 59917 |
| First Montana Bank, Inc. | 2 | 600 E Missoula Ave, Troy 59935 |
| First Interstate Bank | 1 | 508 Us Highway 93 N, Eureka 59917 |
| Valley Bank of Kalispell | 1 | 513 Us Highway 93 N, Eureka 59917 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lincoln County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Mountain West | 1010 Minnesota Ave, Libby 59923 |
| Whitefish Credit Union Association | 105 Dewey Ave, Eureka 59917 |
| Lincoln County | 714 W 6Th St, Libby 59923 |
Source: NCUA credit union branch data, June 30, 2026.
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Lincoln County?
Lincoln 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 Lincoln County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Lincoln County?
Options include 6 bank and 4 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 Lincoln County?
Fill out our short online form from anywhere in Lincoln 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 Lincoln County?
Yes. When an unexpected bill comes up, Lincoln 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.
Where can I get a loan in Lincoln County, MT?
You can apply at banks, credit unions and lenders in Lincoln 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 Lincoln County with bad credit?
Yes, many lenders in our network work with Lincoln 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 apply for a loan online in Lincoln County?
Yes. You don't need to visit a branch or storefront anywhere in Lincoln 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.