Personal loans in Flaxville, MT

The Census counts 60 people in Flaxville, the 125th-largest figure among Montana's 127 places. The roughly 60 people who live in Flaxville borrow under Montana rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Population in Flaxville dropped about 1.6% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Flaxville's 60 residents. A lender that serves Flaxville operates under Montana lending statutes and a Montana supervisor. A larger market lies at Scobey, MT about 11 miles away.

Flaxville by the numbers

Flaxville is a small community; the notes below cover its population profile and the statewide rules that apply.

Flaxville's place among Montana's 127 places

Among Montana's 127 places, Flaxville sits at 125th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 103rd of 127 Montana places, putting it near the 19th percentile for growth. By density, at about 769 people per square mile, it ranks 82nd in Montana. Within 50 miles sit 0 smaller Census places, alongside the 6 that are larger.

A pre-application checklist for Flaxville

Complete these steps first when you borrow in Flaxville (60 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Verify the lender's Montana licence with the regulator listed on this page.
  5. Test the payment against your current bills before you commit.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Flaxville-specific: the same Montana licensing and disclosure rules reach all 60 residents.

The Montana lending rules that reach Flaxville

These are Montana's sourced lending facts as they reach Flaxville's 60 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorMontana 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

Where Flaxville sits

The Census Gazetteer records about 0.1 square miles of land within Flaxville, with no significant water area listed. With 60 residents, the land area yields roughly 769 people per square mile. The state's population centre of gravity, Billings, is roughly 262 miles away. Flaxville has 6 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.

How a Flaxville personal loan is priced

Flaxville is a small community of about 60 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Flaxville's 60 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Flaxville decides the split between a comfortable payment and the total interest you pay.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Flaxville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Flaxville is the same as anywhere in Montana.
What loan size can I expect in Flaxville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Flaxville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Flaxville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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