Montana borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in Montana look different than in neighboring states. We route Montana applications only to lenders and brokers licensed by the Montana Division of Banking & Financial Institutions, so the offers you see are ones you can actually take.
How lending in Montana is different
Montana's median household income is $66,341 — in line with the national household-income median — and the typical home price of $460,000 sits close to the $350,000 national midpoint. On our platform, the average funded loan in Montana runs about $18,400, with mortgage loans as the most requested product across Billings, Missoula, and the rest of the state.
36% APR cap on consumer loans approved by voters in 2010 (I-164). The Montana Division of Banking & Financial Institutions (MT DBFI) supervises consumer lenders operating in Montana, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 Montana offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in Billings or Missoula, ask about local down-payment assistance — Montana programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
Montana at a glance
Local market data we use to calibrate matches for borrowers in Montana.
What a real Montana offer looks like
Illustrative math using Montana's median home price, our average funded loan size in MT, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near Billings at $460,000
A 20% down, 30-year fixed at ~6.75% APR on the Montana median home price puts principal & interest around $2,387/mo. Local MT down-payment assistance can stack on top.
See Montana mortgage offersTypical $18,400 funded loan in MT
Our average funded personal loan for a Montana borrower runs about $18,400 over 4 years. At 11.9% APR that's roughly $484/mo — with rate ceilings enforced by the MT DBFI.
Check my Montana rateConsolidating ~$19,902 of high-rate debt
Rolling roughly 30% of the Montana median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $418/mo — a common MT refinance path.
Match a Montana lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in Montana are supervised by the Montana Division of Banking & Financial Institutions.
Every loan type available in Montana
Our marketplace covers every major loan product for Montana residents. Each match is from a lender licensed by the MT DBFI to operate in MT.
See your real Montana offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the MT DBFI — with APR, monthly payment, and fees shown upfront.
- Montana-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to MT market
Lending rules in Montana
Montana consumer lenders are supervised by the Montana Division of Banking & Financial Institutions. Every match we send you comes with the lender's active MT license number.
36% APR cap on consumer loans approved by voters in 2010 (I-164).
- Pre-qualification uses a soft credit pull — your MT credit file is not affected.
- We never sell Montana borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to Montana DTI norms and the local $460,000 home-price market.
Informational only — not legal or financial advice. MT rate caps and regulations change; confirm details with the Montana Division of Banking & Financial Institutions.
Top Montana cities we serve
Don't see your city? We serve every ZIP code in Montana.
Questions Montana borrowers ask
+What loan types are available in Montana?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for Montana residents. Every match is routed to a lender licensed by the Montana Division of Banking & Financial Institutions.
+Are the lenders on this site licensed in Montana?
Yes. We only forward your request to partners that hold an active MT license with the Montana Division of Banking & Financial Institutions (MT DBFI). Their NMLS or state license number appears with every offer.
+What are the Montana interest-rate rules I should know about?
36% APR cap on consumer loans approved by voters in 2010 (I-164). This affects what a lender can legally charge you in MT on non-bank consumer loans.
+Does checking rates affect my credit score in Montana?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the Montana lender you choose to move forward with will run a hard pull.
+How much do borrowers in Montana typically request?
The average funded consumer loan on our platform in Montana is about $18,400. Popular products in MT are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$460,000 median home price.
+Do you serve borrowers outside of Billings?
Yes — every ZIP code in Montana is covered. Whether you're in Billings or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your Montana rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in MT — never a mystery list.
- Match to a Montana-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees