Loans in Missoula County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Missoula County, MT.
The median household in Missoula County earns $75,598 a year, about the same as the Montana median of $72,509. About 10% of residents live below the federal poverty line, and 41.2% of households rent their home.
What you need for a personal loan in Missoula County
Lenders that serve Missoula County typically ask for the following:
- 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 Missoula County
What Missoula County borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Missoula 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Montana's Title Loan Act was repealed in 2013.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 Missoula County
Banks with branches in Missoula County
33 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 7 | 1704 Dearborn Ave, Missoula 59801 |
| TrailWest Bank | 7 | 11300 Us Highway 93 S, Lolo 59847 |
| First Interstate Bank | 3 | 101 E Front St, Missoula 59802 |
| Farmers State Bank | 3 | 11000 Us Highway 93 S, Lolo 59847 |
| Stockman Bank of Montana | 3 | 321 W Broadway St, Missoula 59802 |
| First Montana Bank, Inc. | 2 | 201 N Higgins Ave, Missoula 59802 |
| U.S. Bank National Association | 2 | 2801 Brooks St, Missoula 59801 |
| Wells Fargo Bank, National Association | 2 | 1800 S Russell St, Missoula 59801 |
| Opportunity Bank of Montana | 2 | 1821 South Ave W, Missoula 59801 |
| Citizens Alliance Bank | 1 | 3084 Highway 83 N., Seeley Lake 59868 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Missoula County
15 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 2825 N Reserve St, Missoula 59808 |
| Clearwater | 2610 N Reserve St, Missoula 59808 |
| Horizon | 2330 S Reserve St, Missoula 59801 |
| Whitefish Credit Union Association | 1635 S Russell St, Missoula 59801 |
| Park Side Financial | 2300 Great Northern Ave, Missoula 59808 |
| Montana Educators' | 2000 S Russell St, Missoula 59801 |
| St. Pats Employees | 500 W Broadway St, Missoula 59802 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Missoula County
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Missoula County?
Missoula 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 Missoula County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Missoula County?
Options include 33 bank and 15 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 Missoula County?
Fill out our short online form from anywhere in Missoula 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 Missoula County?
Yes. When an unexpected bill comes up, Missoula 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 Missoula County, MT?
You can apply at banks, credit unions and lenders in Missoula 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 apply for a loan online in Missoula County?
Yes. You don't need to visit a branch or storefront anywhere in Missoula 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 Missoula County with bad credit?
Yes, many lenders in our network work with Missoula 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.