Personal loans in Saco, MT
Saco counts about 161 people, and what is genuinely local about borrowing here is limited — Montana law does the governing. A 2020-to-2023 comparison shows Saco up by about 0.6%.
Saco is one of 127 Census places in Montana; its 161 residents put it at 113th. If debt is already a strain, a nonprofit credit counsellor can help Saco residents before they take on more. For the 161 people in Saco, Montana runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a bigger market, look to Malta, MT about 25 miles away.
Local context for Saco
Two layers matter for a Saco borrower: the local population picture and Montana's consumer-lending statutes.
- Population: about 161 people live here, which puts Saco 113th of 127 Census places in Montana (Vintage 2023).
- Population trend: Up about 0.6% from the 2020 Census base to the 2023 estimate.
- Absolute change: 1 residents added between 2020 and 2023.
- Size percentile: Saco's 161 people outrank roughly 11% of the places in Montana.
- Density: roughly 530 residents per square mile, spread over 0.3 sq mi of land.
- By land area: Saco ranks 111th among Montana's 127 places, at 0.3 sq mi.
- Share of Montana: Saco holds about 0.0% of the state's population, some 161 people.
- National rank: Saco is the 17,111th most populous of the 19,457 Census places covered here.
- Growth in Montana: Saco stands 80th by percentage change from 2020 to 2023, among 127 places.
- Against the state trend: Saco's 0.6% change compares with a Montana average of +3.8% across its 127 places.
- Density rank: Saco is the 97th most densely settled place in Montana.
- Density vs Montana: Saco's 530 people per square mile compare with a state median of 1,071.
- Location: the Census Gazetteer records it at 48.4571, -107.3413.
- Nearest larger cities: Malta (25 mi); Glasgow (37 mi); Nashua (50 mi); Fort Peck (51 mi); Harlem (66 mi). Living near a larger metro rarely changes what is available in Saco.
- Smaller places nearby: Dodson (42 mi); Opheim (51 mi); Flaxville (102 mi).
- Smaller places within 50 miles: 1 of them.
- Within 100 miles: 9 places are larger than Saco.
Saco: area, density and distance
Saco covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 530 residents per square mile. The state's population centre of gravity, Billings, is roughly 193 miles away. Within 50 miles of Saco there are 2 larger Census places. The 100-mile radius contains 9 larger places.
Saco's place among Montana's 127 places
Within Montana, Saco holds roughly 0.0% of all residents, the 113th-largest share among 127 places. For population change between 2020 and 2023, Saco ranks 80th of 127 in Montana (about the 37th percentile). Its roughly 530 residents per square mile place it 97th among Montana's places. In land area, Saco ranks 111th among Montana's 127 places.
What shapes a Saco personal loan
A Saco personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 161 residents. Because pricing is borrower-level, two people in Saco can be quoted different APRs on the same amount and term. The term you choose in Saco decides the split between a comfortable payment and the total interest you pay.
What is available to Saco borrowers
Saco is a moderately settled community of about 161 people, with 2 larger places inside a 50-mile radius. Lenders licensed in Montana reach Saco's 161 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Malta, MT about 25 miles away.
How Montana law applies in Saco
Montana has no separate rate rule for Saco; the sourced rows below are what reach every lender that serves its 161 people.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
Common questions
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Nearby places
- Malta, MT — population 1,872
- Glasgow, MT — population 3,180
- Dodson, MT — population 126
- Fort Peck, MT — population 235
- Opheim, MT — population 73
- Nashua, MT — population 294
- Jordan, MT — population 365
- Harlem, MT — population 756