Payday loans in Montana: what the law allows
No. Montana doesn't allow payday loans at typical payday costs. Montana doesn't allow car title loans at typical title loan costs.
Montana
Payday loans
Not allowed
Car title loans
Not allowed
“the ballot initiative which caps the annual interest rate on deferred deposit loans, title loans, consumer loans and retail installment sales contracts at 36%, has been passed by popular vote.”
Montana Division of Banking and Financial InstitutionsLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
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Common questions
Are payday loans legal in Montana?
No. Montana doesn't allow payday loans at typical payday costs.
Are car title loans legal in Montana?
Montana doesn't allow car title loans at typical title loan costs.
How do I check a lender's license in Montana?
Look the lender up with Montana Division of Banking and Financial Institutions, which licenses lenders in Montana.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.