Eureka at a glance
- Population: a Census-estimated 1,533, placing it 45th among Montana's 127 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,384 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 10.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Montana places: 45th of 127 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 65% of places in Montana rank below it by population (US Census Bureau).
- Coordinates: 48.8789, -115.0492 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Libby, MT (41 mi); Whitefish, MT (44 mi); Columbia Falls, MT (53 mi); Kalispell, MT (56 mi); Bonners Ferry, ID (59 mi) (US Census Bureau).
- Nearest smaller towns: Rexford, MT (6 mi); Troy, MT (48 mi); Moyie Springs, ID (53 mi) — US Census Bureau populations.
What a personal loan costs in Eureka
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Montana lending rules that apply in Eureka
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Eureka
Run through this list before signing anything in Eureka:
- 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.