Personal loans in Ekalaka, MT

What the Census records for Ekalaka

Only a few things actually differ by place — population, area, location, and the Montana rules a lender must follow — and they are below.

• Population: 410 residents; Ekalaka is the 86th-largest of 127 places in Montana (US Census Bureau, Vintage 2023).
• Population trend: Up about 2.0% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 8 more since the 2020 base.
• Size percentile: Ekalaka's 410 people outrank roughly 32% of the places in Montana.
• Density: roughly 398 residents per square mile, spread over 1.0 sq mi of land.
• Land area: Ekalaka covers 1.0 square miles, the 55th-largest area among Montana's 127 places.
• State share: roughly 0.1% of Montana's residents live in Ekalaka (410 people).
• National standing: Ekalaka ranks 13,999th of 19,457 US places.
• Growth in Montana: Ekalaka stands 70th by percentage change from 2020 to 2023, among 127 places.
• Against the state trend: Ekalaka's 2.0% change compares with a Montana average of +3.8% across its 127 places.
• Density in Montana: Ekalaka ranks 104th by people per square mile.
• Against the state median: Ekalaka runs about 398 residents per square mile, where the Montana median is 1,071.
• Location: mapped by the US Census Bureau at 45.8892, -104.5517.
• Nearest larger cities: Baker (35 mi); Broadus (52 mi); Bowman (59 mi); Miles City (71 mi); Terry (72 mi). Online lenders reach Ekalaka no matter how far the nearest branch is.
• Smaller communities close by: Camp Crook (36 mi); Plevna (37 mi); Marmarth (41 mi), each with its own Census population profile.
• Smaller neighbours: 5 places smaller than Ekalaka sit within 50 miles.
• Larger places within 100 miles: 14.

Ekalaka in state context

Set beside Montana's 127 places, Ekalaka ranks 86th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Ekalaka stands 70th among Montana's 127 places — roughly the 45th percentile. By density, at about 398 people per square mile, it ranks 104th in Montana. Between 2020 and 2023 the count changed by roughly 8 residents.

Borrowing reach in Ekalaka

At roughly 398 people per square mile, Ekalaka is lightly settled; 1 larger places lie within 50 miles. Whether Ekalaka has a local branch or not, a Montana-licensed lender can serve its 410 people online on the same terms. The nearest larger city, Baker, MT about 35 miles away.

What Montana law requires in Ekalaka

The rows below set out what a licensed lender must follow in Montana, and so for Ekalaka's roughly 410 residents.

Inside a Ekalaka personal loan

Ekalaka is a small community of about 410 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Ekalaka lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Ekalaka loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in Ekalaka

Complete these steps first when you borrow in Ekalaka (410 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Montana regulator's records to confirm the lender is licensed here.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

None of these steps is Ekalaka-specific: the same Montana licensing and disclosure rules reach all 410 residents.