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Not allowed in Montana

Title loans are not allowed in Montana

Montana law does not allow title loans, so there is no request form for them here. Here are other options and free help in Montana.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the Montana guide

Why this is not available

Montana law does not allow title loans, so we show no request form. There is no Montana license that authorizes them. Read the law: Former Title Loan Act was at Mont. Code Ann. Title 31, ch. 1, part 8; I-164 capped title loans at 36% APR before the Act's later repeal.... Regulator: Montana Division of Banking and Financial Institutions (DBFI).

Title loans in Montana
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3][4] Not allowed Not allowed Not set by statute Not set by statute None Former Title Loan Act was at Mont. Code Ann. Title 31, ch. 1, part 8; I-164 capped title loans at 36% APR before the Act's later repeal...
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in Montana

Cheaper options to try first

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Montana.

Other loan types allowed in Montana

See every loan type Montana law allows.

Title loans in nearby states

Sources

  1. Justia. law.justia.com/codes/montana/2005/31/31-1-816.html. Retrieved September 23, 2026.
  2. doa.mt.gov. Montana Division of Banking and Financial Institutions (DBFI). Retrieved September 23, 2026.
  3. doa.mt.gov/_docs/bfid/DDL/DDL-I-164-Memo.pdf. Retrieved September 23, 2026.
  4. leg.mt.gov. Former Title Loan Act was at Mont. Code Ann. Title 31, ch. 1, part 8. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Montana. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Montana? Contact the Montana Division of Banking and Financial Institutions (DBFI) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.