Car title loans in Montana: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Montana title loan rules at a glance
| Governing law | The Title Loan Act (MCA 31-1-801 et seq.) was repealed by Chapter 278, Laws of 2013. (MCA 31-1-817 (repealed, Sec. 7, Ch. 278, L. 2013)) |
|---|---|
| Rate / fee cap | Vehicle-secured personal loans fall under the Montana Consumer Loan Act, where interest may not exceed 36% a year. (MCA 32-5-102(2); 32-5-301(1)) |
Your options in Montana
Payday loans aren't offered by state-licensed lenders here, but you can still request a personal installment loan of $100 to $5,000 through our form. Installment loans spread repayment over several months, so each payment is smaller. See Montana personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Idaho | Legal | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail… |
| North Dakota | Limited | — |
| South Dakota | Not available | — |
| Wyoming | Limited | — |
Personal loans by city in Montana
Counties in Montana
Show all 56 counties
Also see: Payday Loans in Montana · Personal Loans in Montana · All Montana loan options
Frequently asked questions
Are title loans legal in Montana?
Montana's Title Loan Act was repealed in 2013. A car-secured personal loan is a consumer loan capped at 36% a year, and the Division states there are no licensed title lenders in Montana.
What interest can title lenders charge in Montana?
Vehicle-secured personal loans fall under the Montana Consumer Loan Act, where interest may not exceed 36% a year.
Can I get a title loan online in Montana?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Montana title loan request in about 3 minutes.
How much can I get for a title loan in Montana?
The amount depends mainly on your vehicle's value, along with your income and Montana rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I get a title loan on a financed car in Montana?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Montana will tell you what they can offer.
Can I refinance my title loan in Montana?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Montana rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.