Valier at a glance
- Population: 551 people, the 79th-largest place among Montana's 127 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 529 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 4.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Montana places: the 79th-largest of 127 (US Census Bureau, 2023 estimate).
- Size percentile: about 38% of Montana's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 48.3055, -112.2522 in the US Census Bureau Gazetteer.
- Nearest larger cities: Conrad, MT (17 mi); Shelby, MT (22 mi); Cut Bank, MT (23 mi); Choteau, MT (34 mi); Browning, MT (39 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Kevin, MT (33 mi); Dutton, MT (40 mi); Sunburst, MT (42 mi), per US Census Bureau estimates.
What a personal loan costs in Valier
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Valier
Read the table as the compliance picture for a lender serving Valier: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Valier
The order below is a sensible way to approach a loan in Valier:
- 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.