Best Personal Loan Rates in Montana (MT) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Montana include: Mountain West Federal Credit UnionMountain West Federal Credit Union400 E Park St, Butte, MT, 59701 1916A-4.9 ★Texas Ratio: 16.59% offering New Toy Loan at 4.00% APR, Montana Federal Credit UnionMontana Federal Credit Union15 14th St S, Great Falls, MT, 59401 3800A+5.0 ★Texas Ratio: 1.84% offering Power Sports Loans at 5.49% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union875 Main St, Billings, MT, 59105A5.0 ★Texas Ratio: 11.38% offering Construction Loan at 6.38% APR, Altana Federal Credit UnionAltana Federal Credit Union1111 24th St W, Billings, MT, 59102 3809A+5.0 ★Texas Ratio: 5.84% offering Construction Loan at 7.00% APR, and Mile High Federal Credit UnionMile High Federal Credit Union3410 MONROE AVE, BUTTE, MT, 59701A+5.0 ★Texas Ratio: 0.03% offering Personal Loan at 7.50% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Montana side-by-side. Montana personal loan rates currently start as low as 4.00% APR from Mountain West Federal Credit Union at 400 E Park St, Butte, MT, 59701 1916. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Montana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Montana. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 2, 2026
This Recreation Vehicle Loan Rate applies to current and previous year.
This Recreation Vehicle Loan Rate applies to current and previous year.
This includes all recreational vehicles two to seven years old.
As Low As; Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective February 2, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.; Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles.
This includes all recreational vehicles older than 7 years.
As Low As; Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective February 2, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.; Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles.
This includes all recreational vehicles two to seven years old.
This Recreation Vehicle Loan Rate applies to current and previous year and must exceed $20,000.
As Low As; Construction
No additional details available.
As Low As; Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective February 2, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.; Mileage Limitations: motorcycles under 15,000 miles; ATVs under 500 hours; snowmobiles under 5,000 miles.
This includes all recreational vehicles two to seven years old
As Low As; Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective February 2, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.; Mileage Limitations: motorcycles under 15,000 miles; ATVs under 500 hours; snowmobiles under 5,000 miles.
As Low As; Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective February 2, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.; Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles.
This includes all recreational vehicles two to seven years old
As Low As
As Low As; *Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.02 at 7.49% APR with a 24 month term; $120.90 at 7.49% APR with a 48 month term; and $87.67 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
As Low As
As Low As
This includes all recreational vehicles two to seven years old Must exceed $20,000.
As Low As; Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective February 2, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.; Mileage Limitations: motorcycles under 15,000 miles; ATVs under 500 hours; snowmobiles under 5,000 miles.
Variable
As Low As; *Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.02 at 7.49% APR with a 24 month term; $120.90 at 7.49% APR with a 48 month term; and $87.67 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
As Low As; *Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.02 at 7.49% APR with a 24 month term; $120.90 at 7.49% APR with a 48 month term; and $87.67 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
1 year payback period
As Low As
As Low As
As Low As
Variable
No additional details available.
A credit
As Low As; Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective February 2, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
$5000 Limit for a maximum of 1 year. Interest rates are subject to change due to credit ratings. Call for details.
As Low As; APR
As Low As; (36 months)
As Low As
No additional details available.
No additional details available.
As Low As; Take care of surprise costs - And build credit with timely payments. We offer fast financing for just about anything.
As Low As
B credit
No additional details available.
$5000 Limit for a maximum of 2 years. Interest rates are subject to change due to credit ratings. Call for details.
As Low As
As Low As
As Low As
Effective May 1, 2006
No additional details available.
As Low As
No additional details available.
Up to a $5000 Limit. Renew every 2 years. Interest rates are subject to change due to credit ratings. Call for details.
$5000 Limit for a maximum of 3 years. Interest rates are subject to change due to credit ratings. Call for details.
As Low As; (60 months)
As Low As
No additional details available.
C credit
No additional details available.
As Low As
No additional details available.
As Low As; APR
As Low As; (36 months)
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; (60 months)
As Low As
No additional details available.
As Low As
A credit
B credit
No additional details available.
C credit
$5000 Limit for a maximum of 1 year. Interest rates are subject to change due to credit ratings. Call for details.
No additional details available.
As Low As; Take care of surprise costs - And build credit with timely payments. We offer fast financing for just about anything.
As Low As
$5000 Limit for a maximum of 2 years. Interest rates are subject to change due to credit ratings. Call for details.
Up to a $5000 Limit. Renew every 2 years. Interest rates are subject to change due to credit ratings. Call for details.
$5000 Limit for a maximum of 3 years. Interest rates are subject to change due to credit ratings. Call for details.
Montana Personal Loan Rate Trends
Compare local Montana personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Montana personal loan rates currently average 11.541% APR.
Montana signature loan rates fell 0.181 points over the past 7 days to 11.024% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Montana?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Montana?
Are credit unions or banks better for personal loans in Montana?
What are the best personal loan rates in Montana?
- Mountain West Federal Credit Union: 4.00% (New Toy Loan)
- Montana Federal Credit Union: 5.49% (Power Sports Loans)
- Mountain America Federal Credit Union: 6.38% (Construction Loan)
- Altana Federal Credit Union: 7.00% (Construction Loan)
- Mile High Federal Credit Union: 7.50% (Personal Loan)
