Personal loans in Billings, MT
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Billings, MT.
The median household in Billings earns $73,712 a year, about the same as the Montana median of $72,509. About 10% of residents live below the federal poverty line, and 35.2% of households rent their home.
Montana law that applies in Billings
| Rate cap | Interest may not exceed 36% a year. |
|---|---|
| License required | No one may be in the business of making consumer loans in any amount unless the Consumer Loan Act authorizes it. |
| Loan sizes covered | The license requirement applies to consumer loans 'in any amount'. |
Full rules with statute citations: Personal Loans in Montana. Cities in Montana cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Billings
Here's what to have on hand before you start your personal loan request in Billings:
- 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 Billings
What Billings borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Billings
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Billings
42 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 9 | 401 N 31st St, Billings 59101 |
| Glacier Bank | 6 | 2615 King Ave W, Billings 59102 |
| Stockman Bank of Montana | 5 | 2700 King Ave W, Billings 59102 |
| U.S. Bank National Association | 4 | 303 N Broadway, Billings 59101 |
| Wells Fargo Bank, National Association | 4 | 175 N 27th St, Billings 59101 |
| The Yellowstone Bank | 3 | 2000 Overland Ave, Billings 59102 |
| Bravera Bank | 3 | 4130 King Ave W, Billings 59106 |
| Opportunity Bank of Montana | 3 | 1005 N 27th St, Billings 59101 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Billings
22 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 875 Main St, Billings 59105 |
| Altana | 1111 24Th St W, Billings 59102 |
| Billings | 2522 4Th Ave N, Billings 59101 |
| Black Hills | 1595 Grand Ave Ste 235B, Billings 59102 |
| Valley Financial | 1541 Custer Ave, Billings 59102 |
| Intrepid | 1131 N 27Th St, Billings 59101 |
| Rimrock | 952 Central Ave, Billings 59102 |
Source: NCUA credit union branch data, June 30, 2026.
County: Yellowstone County ·
Frequently asked questions
Can I get a personal loan with bad credit in Billings?
Possibly. Lenders in our network consider applicants with fair and bad credit across Montana, including Billings. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Billings, MT?
Licensed consumer lenders may charge no more than 36% a year interest, plus limited deferral and late fees.
How fast can I get a personal loan in Billings?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How do I apply for a personal loan with bad credit in Billings?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Can I get an emergency loan with bad credit in Billings?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Billings residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Billings with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Billings residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Billings?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Billings residents can see installment loan offers with our free 3-minute form.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Billings residents can see their options in about 3 minutes.
Do I need to visit a store in Billings?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.