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Montana Payday Loans up to $300

Montana Payday Loans up to $300

Need extra cash for emergency expenses?  Just apply online and get a fast and easy Payday Loan asap.

Consider Montana short-term Payday Loans as the quickest way to obtain financing the same day. Fill out a simple application form online, get matched with a suitable direct lender and if you qualify for the loan, receive the money with a direct deposit into your banking account within 1 - 2 business days.

Apply for Payday Loans in Montana from the Best Direct Lenders Online or find a Loan Store near your location.
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Cash Advance and other Money Offers in Montana:

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Are Payday Loans Legal in Montana?

Loan Rates and Fees, Laws and Regulations in Montana.

Payday loans up to $300 but not more than 25% of monthly income are legal though a bit restricted in Montana. The maximum term is 31 days. More money is available within Installment ($1000 - $5000) or Personal ($5000 - $35,000) loans. The state regulates the lending by Mont. Code Ann. 31-1-701, which caps the APR to 36%. The finance charge for 14-day $100 is only $1.39. Neither rollovers nor extensions are allowed in the state. A borrower can’t take another loan to repay the previous one either. Only one insufficient funds fee up to $30 is allowed to be charged.

Law status restricted
MIN Loan Amount $50
MAX Loan Amount $300
MIN. Loan Term None
MAX. Loan Term 31 days
MAX APR 36%
Additional fees None
NSF fee $30, only one
Collateral or guarantor None, unsecured
Number of simultaneous loans 1
Cooling off period None
Rollover Not allowed
Extension, repayment plan Not allowed
Default penalties Not allowed
Credit score requirements Available for Bad Credit
Payday Loan laws in MT Apply online

PayDay Loan Calculator

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Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
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The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
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To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
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It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Before you apply for a short-term cash advance online consider other Payday Loan alternatives:

  • Installment Loans and Personal Loans online
  • Debt Consolidation Loans, Credit Builder Loans, Credit Cards
  • Social services and local assistance programs
  • Additional part-time jobs or some side gigs and freelance opportunities to earn extra cash
  • Recycling for money
  • Help from your employer, creditors, family and friends
  • Traditional banks or credit unions.

Applying for a short-term Payday Loan you should be very careful and responsible. Plan your budget carefully not to default on the loan. Avoid rollovers, renewals, or extensions. It'll help you get out of Payday debt fast and easy.

Online Payday Loans in Montana 

Any resident of Montana can apply for a Payday Loan both online and in-store. But, of course, online lending is becoming more and more popular as it has plenty of advantages:

  • it gives you a chance to compare a lot of different offers at once,
  • you can avoid driving, doing paperwork and waiting in lines,
  • applying is free and simple, 
  • you have very high chances of approval even with a bad credit score,
  • you can find some lenders ready to give you the loan with no credit check,
  • it's available 24 / 7.

The process of applying online is quick and simple:

  1. Fill out a loan application completely online
  2. Get contacted with a lender to discuss loan terms and rates
  3. The money will be deposited into your bank account as soon as the next business day

 

Requirements to qualify for a Payday Loan in Montana:

What do I need to qualify for a short-term cash advance?

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • Montana (US) residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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PAYDAY LOAN Application Form

How much would you like to borrow?

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices

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State Regulator

The Division of Banking and Financial Institutions, 301 South Park, Suite 316, Helena, MT 59601 or by phone (406) 841-2920, http://www.banking.mt.gov/default.mcpx 

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