Personal loans in Joliet, MT
Lenders active in Joliet report to a Montana supervisor, identified in the sourced rows below. A personal loan in Joliet is priced from your credit file and income, not from the fact that the city holds 620 people.
With 620 residents, Joliet outranks about 43% of the communities in Montana. The trend for Joliet between 2020 and 2023 is upward by roughly 7.5%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Joliet loan. The next larger city is Bridger, MT about 13 miles away.
What the Census records for Joliet
Set out below is Joliet's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 620 residents in Joliet (Vintage 2023 subcounty estimate), the 73rd-largest figure among Montana's 127 places.
- Population trend: Up about 7.5% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 43 more people than the 2020 Census counted.
- Size percentile: about 43% of Montana communities are smaller than Joliet (620 residents).
- Density: the Census land area of 0.3 sq mi holds about 2,263 people per square mile.
- Land area rank: Joliet's 0.3 square miles rank 115th of 127 places in Montana.
- Within Montana: about 0.1% of the state's population lives in Joliet.
- Nationally: Joliet is the 12,292nd-largest of 19,457 Census places in the dataset.
- Growth rank: Joliet's 2020-to-2023 change ranks 36th of 127 places in Montana.
- State comparison: Montana's places average +3.8% for 2020-to-2023, against Joliet's 7.5%.
- Density in Montana: Joliet ranks 16th by people per square mile.
- Density in context: Joliet's 2,263 people per square mile sit against a Montana median of 1,071.
- Location: latitude 45.4844, longitude -108.9721 (Census Gazetteer).
- Nearest larger cities: Bridger (13 mi); Laurel (16 mi); Columbus (17 mi); Red Lodge (24 mi); Billings (29 mi). Living near a larger metro rarely changes what is available in Joliet.
- Smaller towns nearby: Fromberg (7 mi); Bearcreek (24 mi); Frannie (39 mi).
- Within a 50-mile radius: 5 smaller Census places.
- At 100 miles: 18 larger Census places fall inside that radius.
How personal loans work in Joliet
Most loans made to Joliet's 620 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Joliet loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Joliet loan but raises total interest, so the smallest payment is not the cheapest loan.
Montana rules behind a Joliet personal loan
When Montana does not publish a figure, the row links to the source instead of inventing a number; Joliet is bound by the same rules.
| 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 |
How Joliet compares across Montana
Within Montana, Joliet holds roughly 0.1% of all residents, the 73rd-largest share among 127 places. For population change between 2020 and 2023, Joliet ranks 36th of 127 in Montana (about the 72th percentile). Its roughly 2,263 residents per square mile place it 16th among Montana's places. The population moved by about 43 people between 2020 and 2023, a 7.5% shift.
Joliet on the map
The Census Gazetteer records about 0.3 square miles of land within Joliet, with no significant water area listed. That land carries about 2,263 people per square mile. For the state's biggest city, Billings, the distance is roughly 29 miles. A 50-mile radius around Joliet takes in 6 places that are larger. By land area it ranks 115th of 127 Montana places.
How lenders reach Joliet
At roughly 2,263 people per square mile, Joliet is fairly dense; 6 larger places lie within 50 miles. What is available to Joliet's 620 borrowers is set by Montana licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Bridger, MT about 13 miles away.
Common questions
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What loan size can I expect in Joliet?
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Nearby places
- Fromberg, MT — population 422
- Bridger, MT — population 714
- Laurel, MT — population 7,193
- Columbus, MT — population 1,906
- Bearcreek, MT — population 99
- Red Lodge, MT — population 2,610
- Billings, MT — population 120,864
- Broadview, MT — population 138