Personal loans in Lima, MT

Lima gained roughly 3.8% in population across the 2020-to-2023 comparison. Verify the lender's Montana licence against the regulator named below before borrowing in Lima. The next larger city is Dubois, ID about 37 miles away. A single loan can carry different costs on either side of a state line, and Lima sits on the Montana side of that line.

Where Lima stands

Read the local figures below as context; read the sourced Montana table as the rulebook a lender here must follow.

• Population: an estimated 217 residents, 101st of 127 places in Montana (Census Vintage 2023 subcounty estimate).
• Population trend: About 3.8% above the 2020 Census base.
• Net change: roughly 8 more people than the 2020 Census counted.
• Size percentile: bigger than about 20% of the places in Montana, with 217 residents in Lima.
• Land and density: 0.6 square miles of land carry roughly 388 residents per square mile.
• Land area rank: Lima's 0.6 square miles rank 89th of 127 places in Montana.
• Share of Montana: Lima holds about 0.0% of the state's population, some 217 people.
• National rank: Lima sits 16,214th by population among the 19,457 places in this dataset.
• Growth in Montana: Lima stands 49th by percentage change from 2020 to 2023, among 127 places.
• State comparison: Montana's places average +3.8% for 2020-to-2023, against Lima's 3.8%.
• Density rank: Lima places 105th among Montana's places by people per square mile.
• Density in context: Lima's 388 people per square mile sit against a Montana median of 1,071.
• Location: 44.6383, -112.5918 (US Census Bureau Gazetteer).
• Nearest larger cities: Dubois (37 mi); Dillon (40 mi); Mud Lake (55 mi); Virginia City (56 mi); Sheridan (60 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Spencer (27 mi); Leadore (38 mi); Island Park (62 mi).
• Smaller places within 50 miles: 2 of them.
• Larger places within 100 miles: 35.

Montana consumer-lending rules applied in Lima

Montana has no separate rate rule for Lima; the sourced rows below are what reach every lender that serves its 217 people.

Where Lima sits in Montana

Among Montana's 127 places, Lima sits at 101st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Lima stands 49th among Montana's 127 places — roughly the 61th percentile. By density, at about 388 people per square mile, it ranks 105th in Montana. The population moved by about 8 people between 2020 and 2023, a 3.8% shift.

What shapes a Lima personal loan

A Lima personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 217 residents. The APR tracks your credit score rather than Lima's rank of 101st in Montana: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Lima decides the split between a comfortable payment and the total interest you pay.

Steps to take before a Lima loan

For Lima's roughly 217 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Montana regulator's records to confirm the lender is licensed here.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Lima-specific: the same Montana licensing and disclosure rules reach all 217 residents.

Lender access in Lima

With about 388 residents per square mile, Lima is lightly settled, and 2 larger Census places sit within 50 miles. Distance to a branch rarely matters for Lima's 217 residents: the application is online and the price follows your credit file. The nearest bigger place is Dubois, ID about 37 miles away.