Personal loans in Dillon, MT
Dillon counts about 4,176 people, and what is genuinely local about borrowing here is limited — Montana law does the governing. Judge Dillon offers on total cost, not on how quickly the money arrives.
About 4,176 people live in Dillon, placing it 20th of 127 Census places in Montana. A lender that serves Dillon operates under Montana lending statutes and a Montana supervisor. A 2020-to-2023 comparison shows Dillon up by about 7.7%. The closest larger city is Anaconda-Deer Lodge, MT about 65 miles away.
Dillon: population, trend and location
Dillon is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 4,176 — Dillon ranks 20th of 127 communities in Montana (US Census Bureau, Vintage 2023).
- Population trend: Roughly 7.7% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 298 residents.
- Size percentile: roughly 84% of Montana places rank below Dillon.
- Population density: about 2,200 people per square mile (Census land area 1.9 sq mi).
- Land area: Dillon covers 1.9 square miles, the 29th-largest area among Montana's 127 places.
- Within Montana: about 0.7% of the state's population lives in Dillon.
- Nationally: Dillon is the 5,340th-largest of 19,457 Census places in the dataset.
- Growth rank: Dillon's 2020-to-2023 change ranks 32nd of 127 places in Montana.
- Against the state trend: Dillon's 7.7% change compares with a Montana average of +3.8% across its 127 places.
- Density rank: Dillon places 19th among Montana's places by people per square mile.
- Density in context: Dillon's 2,200 people per square mile sit against a Montana median of 1,071.
- Location: it lies at 45.2179, -112.6346 in the Census Gazetteer.
- Nearest larger cities: Anaconda-Deer Lodge (65 mi); Belgrade (81 mi); Bozeman (83 mi); Helena (100 mi); Hamilton (103 mi). Living near a larger metro rarely changes what is available in Dillon.
- Smaller towns nearby: Twin Bridges (27 mi); Sheridan (27 mi); Virginia City (34 mi).
- Smaller places within 50 miles: 5 of them.
- Within 100 miles: 4 places are larger than Dillon.
What a Dillon borrower is actually offered
Dillon is a small community of about 4,176 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Dillon loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Dillon decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Dillon
Dillon covers about 1.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 4,176 residents, the land area yields roughly 2,200 people per square mile. Billings, the largest place in Montana, is about 202 miles from Dillon. Dillon has 0 larger places within a 50-mile radius. By land area it ranks 29th of 127 Montana places.
Dillon against the rest of Montana
Set beside Montana's 127 places, Dillon ranks 20th by population and holds about 0.7% of the state total. On the 2020-to-2023 trend, Dillon stands 32nd among Montana's 127 places — roughly the 75th percentile. By density, at about 2,200 people per square mile, it ranks 19th in Montana. Within 50 miles sit 5 smaller Census places, alongside the 0 that are larger.
How Montana law applies in Dillon
These are Montana's sourced lending facts as they reach Dillon's 4,176 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 |
| Deferred deposit loan license requirement (MCA 31-1-705) | A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department Source says: "A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department." | Montana Legislative Services Division (Montana Code Annotated) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | Greater of 15% or prime rate + 6 percentage points per year (written agreement); regulated lenders exempt Source says: "Parties may agree in writing to the payment of any rate of interest that does not exceed the greater of 15%" | Montana Legislative Services Division (Montana Code Annotated) as of 2026-09-16 |
The Dillon borrowing checklist
For Dillon's roughly 4,176 residents, these are the steps that most influence the offer:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Montana licence with the regulator listed on this page.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
In Dillon as elsewhere in Montana, the written terms — not the advertisement — are what count for its 4,176 residents.
Common questions
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Nearby places
- Twin Bridges, MT — population 385
- Sheridan, MT — population 761
- Lima, MT — population 217
- Virginia City, MT — population 242
- Walkerville, MT — population 659
- Whitehall, MT — population 1,080
- Leadore, ID — population 100
- Ennis, MT — population 1,047