Montana lender directory
Title Loans in Montana: Rates Capped at 36%. Here Are the Legal Options
We list no title loan stores in Montana, and Montana law caps what lenders can charge. Below is what the law says, and the licensed ways to borrow in Montana that we track.
What Montana law says
A consumer loan licensee may not charge interest exceeding 36% per year.
Source: Mont. Code Ann. § 32-5-301(1) · verified Oct 9, 2026A loan to someone in Montana has to stay within this limit unless the lender is licensed or otherwise authorized by Montana law to charge more. We list no title loan stores in Montana; the licensed options we track are below.
Related rules
- Montana repealed its Title Loan Act (Mont. Code Ann. 31-1-801 et seq.), so the state no longer licenses title loan lenders. Source: Mont. Code Ann. § 31-1-801 et seq. (Repealed) · verified Oct 9, 2026
Licensed lenders in Montana
These types of lenders operate legally in Montana, each under its own rules and costs. Compare the total cost before you borrow.
If someone offers you a title loan in Montana
Some lenders based in other states or online still advertise title loans to Montana residents. A loan from a lender that is not licensed in Montana may not come with the protections that licensed lenders must give, such as cost limits and complaint rights. Before you borrow, check that the lender is licensed in Montana.
To report a lender or ask a question, contact the Montana Department of Administration, Banking and Financial Institutions Division.
Sources
Where the facts on this page come from, and when we last checked them.
- Mont. Code Ann. § 32-5-301(1) · Interest rate cap Last verified Oct 9, 2026 · high confidence
- Mont. Code Ann. § 31-1-801 et seq. (Repealed) · Title loans Last verified Oct 9, 2026 · high confidence
- Montana Department of Administration, Banking and Financial Institutions Division · Licensing and complaints Date not recorded
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.