Judith Gap at a glance
- Population: about 106, 120th by size in Montana of 127 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 107 (US Census Bureau).
- 2020 to 2023 change: roughly 0.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Montana places: the 120th-largest of 127 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 6% of Montana places in population terms (US Census Bureau).
- Coordinates: it sits at 46.6791, -109.7533 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Harlowton, MT (17 mi); Moore, MT (21 mi); Hobson, MT (23 mi); Lewistown, MT (29 mi); Ryegate, MT (35 mi) (US Census Bureau).
- Smaller places nearby: Neihart, MT (50 mi); Bearcreek, MT (109 mi), per US Census Bureau estimates.
What a personal loan costs in Judith Gap
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our 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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Montana lending rules that apply in Judith Gap
The table lists the Montana rules that apply to a loan made in Judith Gap, each with the regulator that published it.
| 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 Judith Gap
Before you commit to a personal loan in Judith Gap, work through these steps:
- 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.