Best Personal Loan Rates in Billings, Montana - July 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 Billings, Montana include: Mountain America Federal Credit UnionMountain America Federal Credit Union875 Main St, Billings, MT, 59105A5.0 ★Texas Ratio: 10.12% offering Construction Loan at 7.11% APR, Billings Federal Credit UnionBillings Federal Credit Union2522 4th Ave N, Billings, MT, 59101 1316A5.0 ★Texas Ratio: 7.61% offering Personal Loan at 8.24% APR, Altana Federal Credit UnionAltana Federal Credit Union1111 24th St W, Billings, MT, 59102 3809A+5.0 ★Texas Ratio: 5.55% offering Personal Loans at 9.99% APR, SEG Federal Credit UnionSEG Federal Credit Union2320 Zoo Dr, Billings, MT, 59101 6231A+5.0 ★Texas Ratio: 2.21% offering Personal Loan at 11.00% APR, and Mountain West Federal Credit UnionMountain West Federal Credit UnionA-4.9 ★Texas Ratio: 15.12% offering New Toy Loan at 4.00% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Billings has 4 local institutions in our database, with personal loan rates as low as 7.11% APR from Mountain America Federal Credit Union at 875 Main St, Billings, MT, 59105. Use the tabs below to compare all available personal loan types. 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 Billings, Montana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Billings, 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: July 6, 2026
Billings Personal Loan Rates
As Low As
As Low As; Fixed rate
As low as 9.99% to 16.00%
As Low As
As Low As
As Low As
As Low As
As Low As; 3 or 6 months
Fixed rate
This Recreation Vehicle Loan Rate applies to current and previous year.
This Recreation Vehicle Loan Rate applies to current and previous year.
As Low As
This includes all recreational vehicles two to seven years old.
As Low As; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective July 1, 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: $231.46 at 5.24% APR with a 48 month term; $192.20 at 5.74% APR with a 60 month term; and $169.33 at 6.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
This includes all recreational vehicles older than 7 years.
As Low As; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective July 1, 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: $231.46 at 5.24% APR with a 48 month term; $192.20 at 5.74% APR with a 60 month term; and $169.33 at 6.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
As Low As
This includes all recreational vehicles two to seven years old.
As Low As; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective July 1, 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: $231.46 at 5.24% APR with a 48 month term; $192.20 at 5.74% APR with a 60 month term; and $169.33 at 6.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
This Recreation Vehicle Loan Rate applies to current and previous year and must exceed $20,000.
No additional details available.
Rates effective September 22, 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. Monthly payment example based on a $25,000 loan: $420.14 at 6.49% APR with a 72 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Equal Housing Lender.
As Low As; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective July 1, 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: $231.46 at 5.24% APR with a 48 month term; $192.20 at 5.74% APR with a 60 month term; and $169.33 at 6.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
This includes all recreational vehicles two to seven years old.
No additional details available.
No additional details available.
As Low As; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective July 1, 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: $231.46 at 5.24% APR with a 48 month term; $192.20 at 5.74% APR with a 60 month term; and $169.33 at 6.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
No additional details available.
This includes all recreational vehicles two to seven years old
No additional details available.
No additional details available.
No additional details available.
As Low As; Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar.
No additional details available.
No additional details available.
Rates effective September 22, 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. Monthly payment example based on a $25,000 loan: $263.71 at 7.49% APR with a 144 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Equal Housing Lender.
As Low As; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective July 1, 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: $231.46 at 5.24% APR with a 48 month term; $192.20 at 5.74% APR with a 60 month term; and $169.33 at 6.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
No additional details available.
This includes all recreational vehicles two to seven years old Must exceed $20,000.
As Low As
As Low As
As Low As; Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar.
As Low As; Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar.
No additional details available.
As Low As
As Low As; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective July 1, 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: $231.46 at 5.24% APR with a 48 month term; $192.20 at 5.74% APR with a 60 month term; and $169.33 at 6.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
No additional details available.
No additional details available.
based on your creditworthiness
based on your creditworthiness
As Low As
based on your creditworthiness
$5000 Limit for a maximum of 1 year. Interest rates are subject to change due to credit ratings. Call for details.
As Low As; (36 months)
No additional details available.
No additional details available.
As Low As; Competitive Rates. Quick Decisions. Local Processing.
As Low As
No additional details available.
As Low As; Rates as low as 10.00% APR
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; Fixed
As Low As; Fixed
Effective May 1, 2006
No additional details available.
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; Fixed
No additional details available.
No additional details available.
Billings Personal Loan Rates
As Low As; Fixed rate
As low as 9.99% to 16.00%
As Low As
As Low As
As Low As
As Low As; (36 months)
As Low As
No additional details available.
No additional details available.
As Low As; Fixed
As Low As; Fixed
No additional details available.
No additional details available.
As Low As; (60 months)
As Low As; Fixed
Billings Debt Consolidation Loan Rates
No additional details available.
Billings Signature Loan Rates
$5000 Limit for a maximum of 1 year. Interest rates are subject to change due to credit ratings. Call for details.
As Low As; Competitive Rates. Quick Decisions. Local Processing.
As Low As; Rates as low as 10.00% APR
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.
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.
Billings, MT Personal Loan Rate Trends
Compare local Billings, MT 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 10.255% APR.
Montana signature loan rates currently average 10.500% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Billings, Montana personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Billings, Montana directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Billings, Montana. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MT.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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 Billings, Montana?
What are the best personal loan rates in Billings, Montana?
- Mountain America Federal Credit Union: 7.11% (Construction Loan)
- Billings Federal Credit Union: 8.24% (Personal Loan)
- Altana Federal Credit Union: 9.99% (Personal Loans)
- SEG Federal Credit Union: 11.00% (Personal Loan)
- Mountain West Federal Credit Union: 4.00% (New Toy Loan)
Personal Loan Calculators
