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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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Montana Payday Loans Near Me
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 Calculator
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:
- Fill out a loan application completely online
- Get contacted with a lender to discuss loan terms and rates
- 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.