Personal loans in Columbus, MT
A personal loan in Columbus is priced from your credit file and income, not from the fact that the city holds 1,906 people. Columbus gained roughly 2.5% in population across the 2020-to-2023 comparison.
With 1,906 residents, Columbus outranks about 70% of the communities in Montana. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Columbus loan. Lenders active in Columbus report to a Montana supervisor, identified in the sourced rows below. The closest larger place is Laurel, MT about 23 miles away.
Columbus: population, trend and location
Here is the sourced Census picture for Columbus, plus the Montana lending rules that apply to a loan taken out here.
- Population: about 1,906 people live here, which puts Columbus 38th of 127 Census places in Montana (Vintage 2023).
- Population trend: Up about 2.5% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a gain of about 46 residents.
- Size percentile: roughly 70% of Montana's places have fewer residents than Columbus's 1,906.
- Population density: 1,388 people per square mile on 1.4 square miles of land.
- Land area rank: Columbus's 1.4 square miles rank 38th of 127 places in Montana.
- State share: roughly 0.3% of Montana's residents live in Columbus (1,906 people).
- Nationally: Columbus is the 7,810th-largest of 19,457 Census places in the dataset.
- Growth rank: Columbus ranks 65th among Montana's 127 places for the 2020-to-2023 change.
- Against the state trend: Columbus's 2.5% change compares with a Montana average of +3.8% across its 127 places.
- Density rank: Columbus places 45th among Montana's places by people per square mile.
- Against the state median: Columbus runs about 1,388 residents per square mile, where the Montana median is 1,071.
- Location: latitude 45.6360, longitude -109.2488 (Census Gazetteer).
- Nearest larger cities: Laurel (23 mi); Red Lodge (31 mi); Billings (35 mi); Livingston (63 mi); Powell (65 mi). Lenders licensed in the state serve Columbus whether or not they keep a local branch.
- Nearest smaller places: Joliet (17 mi); Fromberg (24 mi); Bridger (29 mi).
- Within a 50-mile radius: 8 smaller Census places.
- Within 100 miles: 12 places are larger than Columbus.
Columbus against the rest of Montana
Within Montana, Columbus holds roughly 0.3% of all residents, the 38th-largest share among 127 places. For population change between 2020 and 2023, Columbus ranks 65th of 127 in Montana (about the 49th percentile). By density, at about 1,388 people per square mile, it ranks 45th in Montana. The population moved by about 46 people between 2020 and 2023, a 2.5% shift.
What is available to Columbus borrowers
Columbus is moderately settled, with about 1,388 people per square mile and 3 larger places within 50 miles. Whether Columbus has a local branch or not, a Montana-licensed lender can serve its 1,906 people online on the same terms. The nearest bigger place is Laurel, MT about 23 miles away.
How Montana law applies in Columbus
These are Montana's sourced lending facts as they reach Columbus's 1,906 residents; the state has no city-level rate rule.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Montana Division of Banking and Financial Institutions (BFID), Department of Administration Source says: "The Montana Division of Banking and Financial Institutions (Division) does all of its licensing through the Nationwide Multistate Licensing System (NMLS)." | Montana Department of Administration, Division of Banking and Financial Institutions as of 2026-09-16 |
| Payday lending status | Legal; deferred deposit lenders must be licensed; fee capped at 36% per annum Source says: "A licensee may not charge a fee for making or carrying each deferred deposit loan authorized by this part that exceeds 36% per annum" | Montana Legislative Services Division (Montana Code Annotated) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer loan license required under the Montana Consumer Loan Act (32-5-101); licensing through NMLS Source says: "A consumer loan license is needed to engage in business as defined in the Montana Consumer Loan Act" | Montana Department of Administration, Division of Banking and Financial Institutions as of 2026-09-16 |
How a Columbus personal loan is priced
With roughly 1,906 residents, Columbus is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Columbus can be quoted different APRs on the same amount and term. Shortening the term on a Columbus loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Land, water and location for Columbus
Inside Columbus's boundaries lie about 1.4 square miles of land, with no significant water area recorded. Spread across it are roughly 1,388 residents per square mile. Billings, the largest place in Montana, is about 35 miles from Columbus. Within 50 miles of Columbus there are 3 larger Census places. Within the same 50 miles lie 8 smaller Census places.
Common questions
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Nearby places
- Joliet, MT — population 620
- Fromberg, MT — population 422
- Red Lodge, MT — population 2,610
- Laurel, MT — population 7,193
- Bridger, MT — population 714
- Bearcreek, MT — population 99
- Broadview, MT — population 138
- Ryegate, MT — population 225