Clyde Park at a glance
- Population: the Census estimates 346 residents, ranking 91st of 127 places in Montana (Vintage 2023).
- 2020 Census base: 334 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 3.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Montana places: 91st of the state's 127 Census places (US Census Bureau).
- Size percentile: roughly 28% of Montana's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 45.8839, -110.6058.
- Nearest larger cities (within 120 miles): Livingston, MT (15 mi); Bozeman, MT (26 mi); Belgrade, MT (28 mi); Big Timber, MT (32 mi); Manhattan, MT (35 mi) (US Census Bureau populations).
- Nearest smaller towns: Judith Gap, MT (68 mi); Ryegate, MT (71 mi); Neihart, MT (73 mi) (US Census Bureau).
What a personal loan costs in Clyde Park
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Montana lending rules that apply in Clyde Park
The table carries the Montana rate and licensing rules that apply to consumer loans made in Clyde Park.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal; deferred deposit lenders must be licensed; fee capped at 36% per annum Source says: "A licensee may not charge a fee for making or carrying each deferred deposit loan authorized by this part that exceeds 36% per annum" | Montana Legislative Services Division (Montana Code Annotated) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer loan license required under the Montana Consumer Loan Act (32-5-101); licensing through NMLS Source says: "A consumer loan license is needed to engage in business as defined in the Montana Consumer Loan Act" | Montana Department of Administration, Division of Banking and Financial Institutions as of 2026-09-16 |
| State lending regulator | Montana Division of Banking and Financial Institutions (BFID), Department of Administration Source says: "The Montana Division of Banking and Financial Institutions (Division) does all of its licensing through the Nationwide Multistate Licensing System (NMLS)." | Montana Department of Administration, Division of Banking and Financial Institutions as of 2026-09-16 |
| Deferred deposit loan license requirement (MCA 31-1-705) | A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department Source says: "A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department." | Montana Legislative Services Division (Montana Code Annotated) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | Greater of 15% or prime rate + 6 percentage points per year (written agreement); regulated lenders exempt Source says: "Parties may agree in writing to the payment of any rate of interest that does not exceed the greater of 15%" | Montana Legislative Services Division (Montana Code Annotated) as of 2026-09-16 |
How to compare offers in Clyde Park
The steps below are worth completing first when you borrow in Clyde Park:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Montana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.