Superior at a glance
- Population: 925 (US Census Bureau, Vintage 2023 subcounty estimate), the 58th-largest of 127 places in Montana.
- 2020 Census base: 828 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 11.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Montana places: the 58th-largest of 127 (US Census Bureau, 2023 estimate).
- Size percentile: about 54% of places in Montana are smaller (US Census Bureau).
- Coordinates: 47.1951, -114.9014 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Plains, MT (18 mi); Thompson Falls, MT (35 mi); Ronan, MT (44 mi); Missoula, MT (47 mi); Polson, MT (49 mi), each a US Census place with its estimated population.
- Nearest smaller places: Alberton, MT (24 mi); Hot Springs, MT (31 mi); St. Ignatius, MT (39 mi) (US Census Bureau estimates).
What a personal loan costs in Superior
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Montana lending rules that apply in Superior
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Superior
These steps are the ones that most affect the offer you receive in Superior:
- 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.