Lewistown at a glance
- Population: the Census estimates 6,149 residents, ranking 14th of 127 places in Montana (Vintage 2023).
- 2020 Census base: 5,955 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 3.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Montana places: 14th of the state's 127 Census places (US Census Bureau).
- Size percentile: roughly 89% of Montana's places have fewer residents (US Census Bureau).
- Coordinates: 47.0514 latitude, -109.4524 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Great Falls, MT (92 mi); Billings, MT (97 mi); Laurel, MT (100 mi); Havre, MT (104 mi); Livingston, MT (109 mi) (US Census Bureau populations).
- Smaller towns nearby: Moore, MT (13 mi); Hobson, MT (20 mi); Judith Gap, MT (29 mi) (US Census Bureau).
What a personal loan costs in Lewistown
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Montana lending rules that apply in Lewistown
The sourced rows below are the rules a licensed lender must follow when lending in Montana, and therefore in Lewistown.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lewistown
The steps below are worth completing first when you borrow in Lewistown:
- 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.