Personal loans in Great Falls, MT
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Great Falls, MT.
The median household in Great Falls earns $63,373 a year, 13% below the Montana median of $72,509. About 14% of residents live below the federal poverty line, and 33.9% of households rent their home.
Montana law that applies in Great Falls
| 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 Great Falls
Here's what to have on hand before you start your personal loan request in Great Falls:
- 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 Great Falls
What Great Falls borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Great Falls
- 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 Great Falls
18 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 3 | 2601 10th Ave S, Great Falls 59405 |
| U.S. Bank National Association | 3 | 215 1st St S, Great Falls 59405 |
| Stockman Bank of Montana | 3 | 25 5th St N, Great Falls 59401 |
| Wells Fargo Bank, National Association | 2 | 1400 3rd St Nw, Great Falls 59404 |
| Davidson Trust Co. | 2 | 8 3rd St N Ste 200, Great Falls 59401 |
| Bravera Bank | 2 | 1019 7th St S, Great Falls 59405 |
| Opportunity Bank of Montana | 1 | 501 River Dr S, Great Falls 59405 |
| Citizens Alliance Bank | 1 | 409 3rd St Nw, Great Falls 59404 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Great Falls
14 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Clearwater | 111 5Th St N, Great Falls 59401 |
| 1St Liberty | 6200 3Rd Ave N, Great Falls 59405 |
| Billings | 501 Park Dr S, Great Falls 59405 |
| Horizon | 1915 10Th Ave S, Great Falls 59405 |
| Montana | 15 14Th St S, Great Falls 59401 |
| Russell Country | 810 1St Ave S, Great Falls 59401 |
| Weld Community | 501 Park Dr S Ste 400, Great Falls 59405 |
| The Family First | 2901 11Th Ave S, Great Falls 59405 |
Source: NCUA credit union branch data, June 30, 2026.
County: Cascade County ·
Frequently asked questions
Can I get a personal loan with bad credit in Great Falls?
Possibly. Lenders in our network consider applicants with fair and bad credit across Montana, including Great Falls. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Great Falls, 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 Great Falls?
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 can I get an emergency loan in Great Falls?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
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. Great Falls residents can see their options in about 3 minutes.
Can I get a personal loan in Great Falls 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. Great Falls residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Great Falls?
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.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Great Falls with our free 3-minute form.
Do I need to visit a store in Great Falls?
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.