Loans in Richland County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richland County, MT.
The median household in Richland County earns $73,084 a year, about the same as the Montana median of $72,509. About 7% of residents live below the federal poverty line, and 32.9% of households rent their home. 12.3% of households have no home internet; our form works on any phone.
What you need for a personal loan in Richland County
Most Richland 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 Richland County
What Richland County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Richland 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Montana's Title Loan Act was repealed in 2013.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 Richland County
Banks with branches in Richland County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Stockman Bank of Montana | 2 | 301 W Holly St, Sidney 59270 |
| Wells Fargo Bank, National Association | 1 | 101 2nd Ave Sw, Sidney 59270 |
| Merchants Bank | 1 | 216 S Ellery Ave, Fairview 59221 |
| The Yellowstone Bank | 1 | 120 2nd St Nw, Sidney 59270 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Richland County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Richland | 201 W Holly St, Sidney 59270 |
Source: NCUA credit union branch data, June 30, 2026.
All Montana counties and cities
Frequently asked questions
Are payday loans legal in Richland County?
Richland 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 Richland County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Richland County?
Options include 5 bank and 1 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 Richland County?
Fill out our short online form from anywhere in Richland 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 Richland County with bad credit?
Yes, many lenders in our network work with Richland 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 Richland County?
Yes. You don't need to visit a branch or storefront anywhere in Richland 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 Richland County, MT?
You can apply at banks, credit unions and lenders in Richland 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 an emergency loan in Richland County?
Yes. When an unexpected bill comes up, Richland 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.