Flaxville at a glance
- Population: the Census estimates 60 residents, ranking 125th of 127 places in Montana (Vintage 2023).
- 2020 Census base: 61 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 1.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Montana places: 125th in population of 127 places (US Census Bureau).
- Size percentile: larger than about 2% of the Census places in Montana (US Census Bureau).
- Coordinates: 48.8045 latitude, -105.1736 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Scobey, MT (11 mi); Outlook, MT (19 mi); Plentywood, MT (28 mi); Medicine Lake, MT (37 mi); Froid, MT (45 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Fortuna, ND (64 mi); Ambrose, ND (78 mi); Alamo, ND (79 mi), per US Census Bureau estimates.
What a personal loan costs in Flaxville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Montana lending rules that apply in Flaxville
The sourced rows below are the rules a licensed lender must follow when lending in Montana, and therefore in Flaxville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Flaxville
These steps are the ones that most affect the offer you receive in Flaxville:
- 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.