Personal loans in Malta, MT
Two households in Malta with comparable incomes can still be offered different rates; the city's 1,872 residents are not the reason. Malta is one of 127 Census places in Montana; its 1,872 residents put it at 39th.
Judge Malta offers on total cost, not on how quickly the money arrives. A 2020-to-2023 comparison shows Malta up by about 0.6%. Which products a lender may offer to Malta's 1,872 residents follows from the Montana consumer-lending framework. The nearest larger city is Glasgow, MT about 58 miles away.
Where Malta stands
Two layers matter for a Malta borrower: the local population picture and Montana's consumer-lending statutes.
- Population: 1,872 residents; Malta is the 39th-largest of 127 places in Montana (US Census Bureau, Vintage 2023).
- Population trend: Up about 0.6% from the 2020 Census base to the 2023 estimate.
- Absolute change: 12 residents added between 2020 and 2023.
- Size percentile: bigger than about 69% of the places in Montana, with 1,872 residents in Malta.
- Population density: about 1,743 people per square mile (Census land area 1.1 sq mi).
- Land area rank: Malta's 1.1 square miles rank 52nd of 127 places in Montana.
- State population share: Malta accounts for about 0.3% of everyone in Montana.
- Nationally: Malta is the 7,861st-largest of 19,457 Census places in the dataset.
- Growth rank: Malta ranks 79th among Montana's 127 places for the 2020-to-2023 change.
- Against the state trend: Malta's 0.6% change compares with a Montana average of +3.8% across its 127 places.
- Density rank: Malta places 30th among Montana's places by people per square mile.
- Density in context: Malta's 1,743 people per square mile sit against a Montana median of 1,071.
- Location: mapped by the US Census Bureau at 48.3555, -107.8702.
- Nearest larger cities: Glasgow (58 mi); Havre (84 mi); Wolf Point (104 mi); Lewistown (116 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Dodson (18 mi); Saco (25 mi); Harlem (44 mi).
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 2 larger Census places fall inside that radius.
The state rulebook for Malta
Read the table as a lender's compliance picture for Malta: the rule, the sourced figure, the publisher and the date.
| 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 |
Malta in state context
Malta is the 39th-largest of 127 Census places in Montana and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Malta stands 79th among Montana's 127 places — roughly the 38th percentile. Its roughly 1,743 residents per square mile place it 30th among Montana's places. In land area, Malta ranks 52nd among Montana's 127 places.
What to do before borrowing in Malta
Complete these steps first when you borrow in Malta (1,872 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Montana licence with the regulator named above before committing.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
In Malta as elsewhere in Montana, the written terms — not the advertisement — are what count for its 1,872 residents.
Getting a loan in Malta
Malta is a moderately settled community of about 1,872 people, with 0 larger places inside a 50-mile radius. What is available to Malta's 1,872 borrowers is set by Montana licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Glasgow, MT about 58 miles away.
Where Malta sits
Inside Malta's boundaries lie about 1.1 square miles of land, with no significant water area recorded. With 1,872 residents, the land area yields roughly 1,743 people per square mile. Billings, the largest place in Montana, is about 180 miles from Malta. A 50-mile radius around Malta takes in 0 places that are larger. Within the same 50 miles lie 3 smaller Census places.
Common questions
What are my options in Malta if my credit is poor?
What loan size can I expect in Malta?
Do I have to pledge anything to borrow in Malta?
Does comparing loans in Malta cost me credit score points?
Nearby places
- Dodson, MT — population 126
- Saco, MT — population 161
- Harlem, MT — population 756
- Glasgow, MT — population 3,180
- Chinook, MT — population 1,160
- Jordan, MT — population 365
- Winnett, MT — population 209
- Fort Peck, MT — population 235