Personal loans in Wibaux, MT
A personal loan in Wibaux is priced from your credit file and income, not from the fact that the city holds 449 people. Lenders active in Wibaux report to a Montana supervisor, identified in the sourced rows below. By population, Wibaux sits at 83rd in Montana, with an estimated 449 residents. Pull your credit reports and line up at least three offers before you apply from Wibaux. The trend for Wibaux between 2020 and 2023 is downward by roughly 2.4%. The nearest larger metro is Beach, ND about 10 miles away.
Wibaux: the sourced local profile
Read the local figures below as context; read the sourced Montana table as the rulebook a lender here must follow.
- Population: 449 residents; Wibaux is the 83rd-largest of 127 places in Montana (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 2.4%.
- Change in people: the 2020-to-2023 comparison is a loss of about 11 residents.
- Size percentile: Wibaux's 449 people outrank roughly 35% of the places in Montana.
- Density: roughly 418 residents per square mile, spread over 1.1 sq mi of land.
- By land area: Wibaux ranks 53rd among Montana's 127 places, at 1.1 sq mi.
- State population share: Wibaux accounts for about 0.1% of everyone in Montana.
- National standing: Wibaux ranks 13,613th of 19,457 US places.
- Growth in Montana: Wibaux stands 112th by percentage change from 2020 to 2023, among 127 places.
- Against the state trend: Wibaux's 2.4% change compares with a Montana average of +3.8% across its 127 places.
- Density in Montana: Wibaux ranks 102nd by people per square mile.
- Density vs Montana: Wibaux's 418 people per square mile compare with a state median of 1,071.
- Location: 46.9866, -104.1900 (Census Gazetteer coordinates).
- Nearest larger cities: Beach (10 mi); Glendive (26 mi); Baker (43 mi); Belfield (47 mi); Sidney (50 mi). Lenders licensed in the state serve Wibaux whether or not they keep a local branch.
- Smaller communities within reach: Sentinel Butte (17 mi); Golva (20 mi); Medora (32 mi).
- Smaller places within 50 miles: 6 of them.
- At 100 miles: 19 larger Census places fall inside that radius.
Getting a loan in Wibaux
Wibaux is a lightly settled community of about 449 people, with 4 larger places inside a 50-mile radius. Lenders licensed in Montana reach Wibaux's 449 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Beach, ND about 10 miles away.
Land, water and location for Wibaux
The Census Gazetteer records about 1.1 square miles of land within Wibaux, with no significant water area listed. That land carries about 418 people per square mile. Billings, the largest place in Montana, is about 224 miles from Wibaux. A 50-mile radius around Wibaux takes in 4 places that are larger. The 100-mile radius contains 19 larger places.
The state rulebook for Wibaux
For the roughly 449 residents of Wibaux, the rules below are Montana's own; each row carries its publisher and retrieval 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 |
| 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 |
| 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 |
How personal loans work in Wibaux
In Wibaux, a small community of about 449, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Wibaux's 449 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Wibaux loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Wibaux's place among Montana's 127 places
Within Montana, Wibaux holds roughly 0.1% of all residents, the 83rd-largest share among 127 places. For population change between 2020 and 2023, Wibaux ranks 112th of 127 in Montana (about the 12th percentile). By density, at about 418 people per square mile, it ranks 102nd in Montana. By land area, its 1.1 square miles rank 53rd of 127 places in Montana.
Common questions
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Nearby places
- Beach, ND — population 972
- Golva, ND — population 85
- Sentinel Butte, ND — population 63
- Glendive, MT — population 4,796
- Baker, MT — population 1,800
- Plevna, MT — population 169
- Medora, ND — population 155
- Sidney, MT — population 6,112