Personal loans in Plentywood, MT

With roughly 1,647 residents, Plentywood is a small community, and the lending rules its borrowers live under are written in Montana, not by the city. With 1,647 residents, Plentywood outranks about 66% of the communities in Montana. Plentywood lost roughly 1.4% of its population across the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Plentywood's 1,647 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Plentywood loan. The next larger city is Williston, ND about 58 miles away.

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.

Plentywood: population, trend and location

Set out below is Plentywood's local context next to the state-level rules that reach every lender here.

How personal loans work in Plentywood

Plentywood is a small community of about 1,647 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Plentywood loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Plentywood decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Plentywood

Plentywood covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,214 residents per square mile. The largest place in Montana, Billings, lies about 279 miles away. Within 50 miles of Plentywood there are 0 larger Census places. The 100-mile radius contains 5 larger places.

Which Montana laws govern a loan in Plentywood

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

RuleDetailSource
State lending regulatorMontana 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
Payday lending statusLegal; 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
Small-loan / installment lender licensingConsumer loan license required under the Montana Consumer Loan Act (32-5-101); licensing through NMLS
Source says: "A consumer loan license is needed to engage in business as defined in the Montana Consumer Loan Act"
Montana Department of Administration, Division of Banking and Financial Institutions
as of 2026-09-16

Plentywood's place among Montana's 127 places

Within Montana, Plentywood holds roughly 0.3% of all residents, the 43rd-largest share among 127 places. Its 2020-to-2023 change ranks 98th of 127 Montana places, putting it near the 23th percentile for growth. By density, at about 1,214 people per square mile, it ranks 58th in Montana. The population moved by about 24 people between 2020 and 2023, a 1.4% shift.

Getting a loan in Plentywood

Plentywood is a moderately settled community of about 1,647 people, with 0 larger places inside a 50-mile radius. A Montana licence lets a lender serve Plentywood without a local office, so branch density does not change what its 1,647 residents are offered. The nearest larger city, Williston, ND about 58 miles away.

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 Plentywood 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 Plentywood is the same as anywhere in Montana.
What loan size can I expect in Plentywood?
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 Plentywood?
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 Plentywood 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.

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