Best Personal Loan Rates in Missoula, Montana (MT) - April 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 Missoula, Montana include: Mountain America Federal Credit UnionMountain America Federal Credit Union2825 N Reserve St, Missoula, MT, 59808A5.0 ★Texas Ratio: 11.38% offering Construction loan at 7.25% APR, Whitefish Credit Union AssociationWhitefish Credit Union Association1635 S Russell St, Missoula, MT, 59801 5636A+5.0 ★Texas Ratio: 0.87% offering PERSONAL LOAN at 9.75% APR, Montana Educators Credit UnionMontana Educators Credit Union2000 S Russell St, Missoula, MT, 59801 6658A+5.0 ★Texas Ratio: 4.94% offering Personal Signature Loans at 10.00% APR, St Pats Employees Federal Credit UnionSt Pats Employees Federal Credit Union500 W Broadway St, Missoula, MT, 59802 4008A5.0 ★Texas Ratio: 7.44% offering Personal Loans at 10.50% APR, and Horizon Credit UnionHorizon Credit Union2330 S Reserve St, Missoula, MT, 59801A+5.0 ★Texas Ratio: 1.53% offering Personal Unsecured Loan at 11.90% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Missoula has 5 local institutions in our database, with personal loan rates as low as 7.25% APR from Mountain America Federal Credit Union at 2825 N Reserve St, Missoula, MT, 59808. 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 Missoula, Montana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Missoula, 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: April 12, 2026
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As Low As; *Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
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.
This includes all recreational vehicles older than 7 years.
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.
This includes all recreational vehicles two to seven years old.
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This includes all recreational vehicles two to seven years old
$65.00 Administrative Fee; Loan closings completed electronically via DocuSign
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This includes all recreational vehicles two to seven years old Must exceed $20,000.
Variable
Loans for a wide variety of vacation needs: * Packages and tours * Transit costs * Food and lodging * And more * Quick, local decision-making and processing * Attentive, friendly service from start to finish
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Variable
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As Low As; (36 months)
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As Low As; fixed rate
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Effective May 1, 2006
As Low As; Your APR will be between 11.24% and 18.00% based on creditworthiness at time of application for amounts between $1,000-$15,000 and flexible loan terms of 12-48 months.
No additional details available.
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As Low As; (60 months)
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As Low As; Your APR will be between 11.24% and 18.00% based on creditworthiness at time of application for amounts between $1,000-$15,000 and flexible loan terms of 12-48 months.
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No additional details available.
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As Low As; (36 months)
No additional details available.
As Low As; fixed rate
No additional details available.
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As Low As
As Low As; Your APR will be between 11.24% and 18.00% based on creditworthiness at time of application for amounts between $1,000-$15,000 and flexible loan terms of 12-48 months.
As Low As; (60 months)
No additional details available.
No additional details available.
As Low As; Your APR will be between 11.24% and 18.00% based on creditworthiness at time of application for amounts between $1,000-$15,000 and flexible loan terms of 12-48 months.
No additional details available.
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Missoula, MT Personal Loan Rate Trends
Compare local Missoula, 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 10.996% APR.
Montana signature loan rates rose 2.117 points over the past 7 days to 11.106% 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 Missoula, Montana?
What are the best personal loan rates in Missoula, Montana?
- Mountain America Federal Credit Union: 7.25% (Construction loan)
- Whitefish Credit Union Association: 9.75% (PERSONAL LOAN)
- Montana Educators Credit Union: 10.00% (Personal Signature Loans)
- St Pats Employees Federal Credit Union: 10.50% (Personal Loans)
- Horizon Credit Union: 11.90% (Personal Unsecured Loan)
Personal Loan Calculators
