Montana Best Personal Loan Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Montana include: Mile High Federal Credit UnionMile High Federal Credit Union3410 MONROE AVE, BUTTE, MT, 59701A+5.0 ★Texas Ratio: 0.03% offering Personal Loan at 7.50% APR, Billings Federal Credit UnionBillings Federal Credit Union2522 4th Ave N, Billings, MT, 59101 1316A5.0 ★Texas Ratio: 7.61% offering Personal Loan at 8.24% APR, Ravalli County Federal Credit UnionRavalli County Federal Credit Union501 N 1st St, Hamilton, MT, 59840 2129A+5.0 ★Texas Ratio: 0.43% offering Debt Consolidation Loan at 8.25% APR, The Family First Federal Credit UnionThe Family First Federal Credit Union2901 11th Ave s, Great Falls, MT, 59405 5301A-5.0 ★Texas Ratio: 13.85% offering Personal Loans at 8.49% APR, and Valley Financial Credit UnionValley Financial Credit Union1541 Custer Ave, Billings, MT, 59102A+5.0 ★Texas Ratio: 1.96% offering Personal Loans at 9.49% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Montana side-by-side. Montana personal loan rates currently start as low as 7.50% APR from Mile High Federal Credit Union at 3410 MONROE AVE, BUTTE, MT, 59701. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Montana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Montana. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: August 28, 2026
Montana Personal Loan Rates
As low as
As low as; Personal
As Low As; Competitive fixed rates for A+ credit (A: 8.40%, B: 10.40%, C: 13.40%); No application or origination fees; New loans only (not valid for refinancing existing RCCU debt)
As Low As
As Low As; *
$5000 Limit for a maximum of 1 year. Interest rates are subject to change due to credit ratings. Call for details.
As Low As
As Low As
As Low As; See if you qualify!
As low as; 36 months
As Low As*
Up to $20,000; Rates include our Relationship Discount of 0.60% - ask a representative for more details.
As Low As
No additional details available.
All loans on approved credit, rates are listed above for members with an A+ (750 or higher) credit score based on information obtained from a current credit report. Rates will be risk-rated dependent on credit score and may be higher than disclosed above. Base rate is .15% over A+ above referenced rate.
No collateral necessary; One predictable monthly payment; Convenient repayment terms that fit your budget; Quick, local decision-making and processing; Attentive, friendly service from start to finish; As Low As; *
As Low As
No additional details available.
$5000 Limit for a maximum of 2 years. Interest rates are subject to change due to credit ratings. Call for details.
As low as; APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
As low as; APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
No additional details available.
Up to a $5000 Limit. Renew every 2 years. Interest rates are subject to change due to credit ratings. Call for details.
$5000 Limit for a maximum of 3 years. Interest rates are subject to change due to credit ratings. Call for details.
As low as; Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
As low as; 60 months
As low as; APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
Montana Personal Loan Rates
As low as
As low as; Personal
As Low As
As Low As; *
As Low As
As low as; 36 months
As Low As
All loans on approved credit, rates are listed above for members with an A+ (750 or higher) credit score based on information obtained from a current credit report. Rates will be risk-rated dependent on credit score and may be higher than disclosed above. Base rate is .15% over A+ above referenced rate.
No additional details available.
As low as; APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
As low as; APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
No additional details available.
As low as; 60 months
As low as; APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Montana Debt Consolidation Loan Rates
As Low As; Competitive fixed rates for A+ credit (A: 8.40%, B: 10.40%, C: 13.40%); No application or origination fees; New loans only (not valid for refinancing existing RCCU debt)
No additional details available.
Montana Signature Loan Rates
$5000 Limit for a maximum of 1 year. Interest rates are subject to change due to credit ratings. Call for details.
As Low As*
Up to $20,000; Rates include our Relationship Discount of 0.60% - ask a representative for more details.
No additional details available.
No collateral necessary; One predictable monthly payment; Convenient repayment terms that fit your budget; Quick, local decision-making and processing; Attentive, friendly service from start to finish; As Low As; *
As Low As
$5000 Limit for a maximum of 2 years. Interest rates are subject to change due to credit ratings. Call for details.
Up to a $5000 Limit. Renew every 2 years. Interest rates are subject to change due to credit ratings. Call for details.
$5000 Limit for a maximum of 3 years. Interest rates are subject to change due to credit ratings. Call for details.
Montana Personal Loan Rate Trends
Compare local Montana personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Montana personal loan rates rose 0.106 points over the past 7 days to 10.300% APR.
Montana signature loan rates fell 0.875 points over the past 7 days to 10.167% APR.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current MT average personal loan APR of 10.30%, across the terms lenders serving Montana most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $231.42/mo | $162.04/mo | $127.54/mo | $106.98/mo |
| $10,000 | $462.84/mo | $324.08/mo | $255.07/mo | $213.95/mo |
| $15,000 | $694.25/mo | $486.13/mo | $382.61/mo | $320.93/mo |
| $25,000 | $1,157.09/mo | $810.21/mo | $637.68/mo | $534.88/mo |
| $35,000 | $1,619.93/mo | $1,134.29/mo | $892.75/mo | $748.83/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Montana
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the MT personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — MT average | 10.30% | $382.61 | $3,365 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,785 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,319 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,911 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Montana Personal Loan Rate Database
Our Montana tables currently track 20 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Montana database right now is 7.50% APR from Mile High Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate in Montana
Prequalify With a Soft Credit Check
Most lenders serving Montana will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Montana data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle → a secured Montana auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity → compare home equity rates, though your home becomes collateral
- Not urgent → building the money in a Montana high-yield savings account costs nothing and earns interest instead of paying it
Montana Financial Snapshot
Local demographics and economic context for borrowers — Source: U.S. Census Bureau
A $383 monthly loan payment is roughly 11.3% of the median individual income in Montana. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Montana.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current MT average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Montana personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Montana directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Montana. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MT.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Montana?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Montana?
Are credit unions or banks better for personal loans in Montana?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Montana?
- Mile High Federal Credit Union: 7.50% (Personal Loan)
- Billings Federal Credit Union: 8.24% (Personal Loan)
- Ravalli County Federal Credit Union: 8.25% (Debt Consolidation Loan)
- The Family First Federal Credit Union: 8.49% (Personal Loans)
- Valley Financial Credit Union: 9.49% (Personal Loans)
