Loans in Toole County, MT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Toole County, MT.
The median household in Toole County earns $57,731 a year, 20% below the Montana median of $72,509. About 13% of residents live below the federal poverty line, and 36.9% of households rent their home.
What you need for a personal loan in Toole County
Lenders that serve Toole 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 Toole County
What Toole County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Toole 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Montana's Title Loan Act was repealed in 2013.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 Toole County
Banks with branches in Toole County
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First State Bank of Shelby | 1 | 320 Main St, Shelby 59474 |
| Independence Bank | 1 | 131 Main St, Shelby 59474 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Toole County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Altana | 840 W Roosevelt Hwy, Shelby 59474 |
| 1St Liberty | 121 1St Ave Se, Shelby 59474 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Toole County?
Toole 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 Toole County?
Montana's Title Loan Act was repealed in 2013.
Where can I get a small loan in Toole County?
Options include 2 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 Toole County?
Fill out our short online form from anywhere in Toole 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 Toole County?
Yes. When an unexpected bill comes up, Toole 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.
Can I get a loan in Toole County with bad credit?
Yes, many lenders in our network work with Toole 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 Toole County?
Yes. You don't need to visit a branch or storefront anywhere in Toole 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 Toole 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. Toole County residents can start any time, and it takes about 3 minutes.