Personal loans in Virginia City, MT

Virginia City is home to roughly 242 people and stands 98th by size out of 127 Census places in Montana. For a bigger market, look to Ennis, MT about 11 miles away. Consumer lending that reaches Virginia City's 242 residents is governed by Montana statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Virginia City.

The Virginia City data picture

Most of what governs a Virginia City loan is written in Montana law rather than in the city; the sourced notes below make that split concrete.

• Population: about 242 people live here, which puts Virginia City 98th of 127 Census places in Montana (Vintage 2023).
• Population trend: Up about 11.0% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 24 more people than the 2020 Census counted.
• Size percentile: with 242 residents, Virginia City is larger than about 23% of Montana's Census places.
• Population density: 255 people per square mile on 0.9 square miles of land.
• By land area: Virginia City ranks 63rd among Montana's 127 places, at 0.9 sq mi.
• Share of state population: Virginia City's 242 residents are about 0.0% of Montana.
• National rank: Virginia City sits 15,873rd by population among the 19,457 places in this dataset.
• Growth rank: Virginia City's 2020-to-2023 change ranks 17th of 127 places in Montana.
• Against the state trend: Virginia City's 11.0% change compares with a Montana average of +3.8% across its 127 places.
• Density rank: Virginia City places 118th among Montana's places by people per square mile.
• Against the state median: Virginia City runs about 255 residents per square mile, where the Montana median is 1,071.
• Location: the Census Gazetteer records it at 45.2962, -111.9369.
• Nearest larger cities: Ennis (11 mi); Sheridan (17 mi); Twin Bridges (26 mi); Dillon (34 mi); Whitehall (40 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Lima (56 mi); Island Park (60 mi); Spencer (65 mi).
• Smaller places within 50 miles: 0 of them.
• At 100 miles: 29 larger Census places fall inside that radius.

Land, water and location for Virginia City

Inside Virginia City's boundaries lie about 0.9 square miles of land, with no significant water area recorded. The resulting density is about 255 people per square mile. For the state's biggest city, Billings, the distance is roughly 167 miles. Within 50 miles of Virginia City there are 8 larger Census places. Within the same 50 miles lie 0 smaller Census places.

What Montana law requires in Virginia City

The rows below set out what a licensed lender must follow in Montana, and so for Virginia City's roughly 242 residents.

What is available to Virginia City borrowers

With about 255 residents per square mile, Virginia City is lightly settled, and 8 larger Census places sit within 50 miles. Whether Virginia City has a local branch or not, a Montana-licensed lender can serve its 242 people online on the same terms. For a larger market, the closest option is Ennis, MT about 11 miles away.

How a Virginia City personal loan is priced

A Virginia City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 242 residents. A lender serving Virginia City's 242 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Virginia City decides the split between a comfortable payment and the total interest you pay.

Virginia City against the rest of Montana

Set beside Montana's 127 places, Virginia City ranks 98th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 17th of 127 Montana places, putting it near the 87th percentile for growth. Its roughly 255 residents per square mile place it 118th among Montana's places. Between 2020 and 2023 the count changed by roughly 24 residents.