Loans in Madison County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, MT.
The median household in Madison County earns $75,250 a year, about the same as the Montana median of $72,509. About 6% of residents live below the federal poverty line, and 19.0% of households rent their home.
What you need for a personal loan in Madison County
Most Madison 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 Madison County
What Madison County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Madison 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Montana's Title Loan Act was repealed in 2013.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 Madison County
Banks with branches in Madison County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Opportunity Bank of Montana | 2 | 107 S Main St, Twin Bridges 59754 |
| Madison Valley Bank | 1 | 213 E Main St, Ennis 59729 |
| First Interstate Bank | 1 | 118 W Williams St, Ennis 59729 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Madison County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Sky | 4939 Us Highway 287 N, Ennis 59729 |
| Southwest Montana Community | 103 S Main St, Sheridan 59749 |
Source: NCUA credit union branch data, June 30, 2026.
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Madison County?
Options include 4 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 Madison County?
Fill out our short online form from anywhere in Madison 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 Madison 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. Madison County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Madison County?
Yes. You don't need to visit a branch or storefront anywhere in Madison 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 Madison County with bad credit?
Yes, many lenders in our network work with Madison 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 Madison County, MT?
You can apply at banks, credit unions and lenders in Madison 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.