Personal loans in Montague, CA

At about 1,182 residents, Montague is larger than roughly 4% of the places in California. Population in Montague dropped about 3.4% over the three years from 2020 to 2023.

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.

Montague is a small community of about 1,182 residents, and a personal loan taken out here is governed by California statute. Consumer lending that reaches Montague's 1,182 residents is governed by California statute; no city ordinance changes it. Verify the lender's California licence against the regulator named below before borrowing in Montague. The closest larger city is Yreka, CA about 5 miles away.

Where Montague stands

The figures below are Montague's own — Census population, land area and coordinates — followed by the California rules.

Getting a loan in Montague

At roughly 665 people per square mile, Montague is moderately settled; 10 larger places lie within 50 miles. Whether Montague has a local branch or not, a California-licensed lender can serve its 1,182 people online on the same terms. The nearest larger city, Yreka, CA about 5 miles away.

The geography behind Montague

Montague's land area is about 1.8 square miles; a further 0.01 square miles is water. With 1,182 residents, the land area yields roughly 665 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 578 miles. Within 50 miles of Montague there are 10 larger Census places. The 100-mile radius contains 26 larger places.

What shapes a Montague personal loan

Montague is a small community of about 1,182 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Montague can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Montague loan but raises total interest, so the smallest payment is not the cheapest loan.

Montague against the rest of California

Montague is the 465th-largest of 482 Census places in California and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 331st of 482 California places, putting it near the 31th percentile for growth. By density, at about 665 people per square mile, it ranks 453rd in California. Within 50 miles sit 3 smaller Census places, alongside the 10 that are larger.

The California lending rules that reach Montague

Read the table as a lender's compliance picture for Montague: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorCalifornia Department of Financial Protection and Innovation (DFPI)
Source says: "“Department” means the Department of Financial Protection and Innovation".
California Legislature — Financial Code § 23001
as of 2026-09-16
Payday lending statusPermitted under the California Deferred Deposit Transaction Law; max $300 face amount; fee ≤15%; term up to 31 days
Source says: "The face amount of the check shall not exceed three hundred dollars ($300)"; "A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check" (Financial Code § 23036).
California Legislature — Financial Code § 23035 (and § 23036)
as of 2026-09-16
Small-loan / installment lender licensingFinance lender/broker license required from the Commissioner of Financial Protection and Innovation (California Financing Law)
Source says: "No person shall engage in the business of a finance lender or broker without obtaining a license from the commissioner".
California Legislature — Financial Code § 22100
as of 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.

Common questions

What are my options in Montague 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 Montague is the same as anywhere in California.
What loan size can I expect in Montague?
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 Montague?
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 Montague 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.

Nearby places

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