Denton at a glance
- Population: 212 — 102nd in Montana, which has 127 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 207 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 2.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Montana places: 102nd largest of 127 (US Census Bureau).
- Size percentile: roughly 20% of places in Montana rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 47.3222, -109.9482.
- Nearest larger cities within 120 miles: Stanford, MT (17 mi); Lewistown, MT (30 mi); Belt, MT (46 mi); Fort Benton, MT (48 mi); Big Sandy, MT (60 mi) (US Census Bureau).
- Smaller towns nearby: Hobson, MT (23 mi); Geraldine, MT (24 mi); Moore, MT (27 mi) (US Census Bureau).
What a personal loan costs in Denton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Montana lending rules that apply in Denton
Read the table as the compliance picture for a lender serving Denton: label, sourced figure, publisher and 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 |
| Deferred deposit loan license requirement (MCA 31-1-705) | A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department Source says: "A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department." | Montana Legislative Services Division (Montana Code Annotated) 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 |
| 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 |
How to compare offers in Denton
Run through this list before signing anything in Denton:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Montana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.