Loans in Phillips County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Phillips County, MT.
The median household in Phillips County earns $53,417 a year, 26% below the Montana median of $72,509. About 10% of residents live below the federal poverty line, and 26.5% of households rent their home.
What you need for a personal loan in Phillips County
Lenders that serve Phillips 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 Phillips County
What Phillips County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Phillips 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Montana's Title Loan Act was repealed in 2013.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 Phillips County
Banks with branches in Phillips County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First State Bank of Malta | 1 | 1 S 1st St E, Malta 59538 |
| Bank of Bridger, National Association | 1 | 130 S 1st St E, Malta 59538 |
| Independence Bank | 1 | 135 South Second Street, Malta 59538 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Phillips County. The nearest counties with credit unions:
Credit unions in Blaine County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Altana | 237 Pennsylvania St, Chinook 59523 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Valley County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Wolf Point | 631 1St Ave N, Glasgow 59230 |
| Fort Peck Community | 54176 Us Highway 2, Glasgow 59230 |
Source: NCUA credit union branch data, June 30, 2026.
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Phillips County?
Phillips 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 Phillips County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Phillips County?
Options include 3 bank 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 Phillips County?
Fill out our short online form from anywhere in Phillips 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 Phillips County?
Yes. You don't need to visit a branch or storefront anywhere in Phillips 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.
Where can I get a loan in Phillips County, MT?
You can apply at banks, credit unions and lenders in Phillips 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 Phillips County with bad credit?
Yes, many lenders in our network work with Phillips 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 Phillips County?
Yes. When an unexpected bill comes up, Phillips 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.