Personal loans in Missoula, MT
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Missoula, MT.
The median household in Missoula earns $70,392 a year, about the same as the Montana median of $72,509. About 12% of residents live below the federal poverty line, and 53.0% of households rent their home.
Montana law that applies in Missoula
| 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 Missoula
Lenders that serve Missoula 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 Missoula
What Missoula borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Missoula
- 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 Missoula
29 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 7 | 1704 Dearborn Ave, Missoula 59801 |
| TrailWest Bank | 5 | 7676 Montana 200, Missoula 59802 |
| First Interstate Bank | 3 | 101 E Front St, Missoula 59802 |
| Stockman Bank of Montana | 3 | 321 W Broadway St, Missoula 59802 |
| First Montana Bank, Inc. | 2 | 201 N Higgins Ave, Missoula 59802 |
| U.S. Bank National Association | 2 | 2801 Brooks St, Missoula 59801 |
| Wells Fargo Bank, National Association | 2 | 1800 S Russell St, Missoula 59801 |
| Farmers State Bank | 2 | 3130 N Reserve St, Missoula 59808 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Missoula
15 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 2825 N Reserve St, Missoula 59808 |
| Clearwater | 2610 N Reserve St, Missoula 59808 |
| Horizon | 2330 S Reserve St, Missoula 59801 |
| Whitefish Credit Union Association | 1635 S Russell St, Missoula 59801 |
| Park Side Financial | 2300 Great Northern Ave, Missoula 59808 |
| Montana Educators' | 2000 S Russell St, Missoula 59801 |
| St. Pats Employees | 500 W Broadway St, Missoula 59802 |
Source: NCUA credit union branch data, June 30, 2026.
County: Missoula County ·
Frequently asked questions
Can I get a personal loan with bad credit in Missoula?
Possibly. Lenders in our network consider applicants with fair and bad credit across Montana, including Missoula. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Missoula, 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 Missoula?
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 Missoula?
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 a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How do installment loans work in Missoula?
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. Missoula residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan in Missoula 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. Missoula residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Missoula borrowers who qualify.
Do I need to visit a store in Missoula?
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.