Personal loans in Lewistown, MT
When Montana caps or restricts a product, lenders either change the terms or withdraw it from Lewistown as from the rest of the state.
A lender serving Lewistown holds a Montana licence and answers to a Montana regulator; no city office is involved for its 6,149 residents. Roughly 6,149 residents live in Lewistown, the 14th-largest community in Montana. Census figures put the 2020-to-2023 increase in Lewistown at about 3.3%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Lewistown's 6,149 residents are no exception. The next larger city is Great Falls, MT about 92 miles away.
Borrowing in Lewistown: the local picture
Read the local figures below as context; read the sourced Montana table as the rulebook a lender here must follow.
- Population: the Census counts 6,149 residents in Lewistown (Vintage 2023 subcounty estimate), the 14th-largest figure among Montana's 127 places.
- Population trend: A rise of about 3.3% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 194 residents.
- Size percentile: with 6,149 residents, Lewistown is larger than about 89% of Montana's Census places.
- Density: roughly 1,075 residents per square mile, spread over 5.7 sq mi of land.
- Land area rank: Lewistown's 5.7 square miles rank 11th of 127 places in Montana.
- Share of state population: Lewistown's 6,149 residents are about 1.1% of Montana.
- Nationally: Lewistown is the 4,301st-largest of 19,457 Census places in the dataset.
- Growth in Montana: Lewistown stands 57th by percentage change from 2020 to 2023, among 127 places.
- Versus Montana: the state average change is +3.8%, while Lewistown moved 3.3%.
- Density rank: Lewistown is the 63rd most densely settled place in Montana.
- Density vs Montana: Lewistown's 1,075 people per square mile compare with a state median of 1,071.
- Location: 47.0514, -109.4524 (US Census Bureau Gazetteer).
- Nearest larger cities: Great Falls (92 mi); Billings (97 mi); Laurel (100 mi); Havre (104 mi); Livingston (109 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Moore (13 mi); Hobson (20 mi); Judith Gap (29 mi).
- Smaller places within 50 miles: 8 of them.
- Larger places within 100 miles: 2.
How Lewistown compares across Montana
Set beside Montana's 127 places, Lewistown ranks 14th by population and holds about 1.1% of the state total. Its 2020-to-2023 change ranks 57th of 127 Montana places, putting it near the 55th percentile for growth. Its roughly 1,075 residents per square mile place it 63rd among Montana's places. The population moved by about 194 people between 2020 and 2023, a 3.3% shift.
Borrowing reach in Lewistown
Lewistown is moderately settled, with about 1,075 people per square mile and 0 larger places within 50 miles. Distance to a branch rarely matters for Lewistown's 6,149 residents: the application is online and the price follows your credit file. The nearest bigger place is Great Falls, MT about 92 miles away.
How Montana law applies in Lewistown
The rows below set out what a licensed lender must follow in Montana, and so for Lewistown's roughly 6,149 residents.
| 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 |
| 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 |
| 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 |
Steps to take before a Lewistown loan
Before you hand your details to a lender in Lewistown, where the population is near 6,149:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Montana licence by checking the regulator named above.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Lewistown as elsewhere in Montana, the written terms — not the advertisement — are what count for its 6,149 residents.
Lewistown: area, density and distance
The Census Gazetteer records about 5.7 square miles of land within Lewistown, with no significant water area listed. With 6,149 residents, the land area yields roughly 1,075 people per square mile. For the state's biggest city, Billings, the distance is roughly 97 miles. Within 50 miles of Lewistown there are 0 larger Census places. Within the same 50 miles lie 8 smaller Census places.
Common questions
What are my options in Lewistown if my credit is poor?
What loan size can I expect in Lewistown?
Do I have to pledge anything to borrow in Lewistown?
Does comparing loans in Lewistown cost me credit score points?
Nearby places
- Moore, MT — population 202
- Hobson, MT — population 184
- Judith Gap, MT — population 106
- Winifred, MT — population 174
- Denton, MT — population 212
- Grass Range, MT — population 115
- Harlowton, MT — population 949
- Stanford, MT — population 410