Grass Range at a glance
- Population: a Census-estimated 115, placing it 119th among Montana's 127 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 112 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 2.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Montana places: 119th by size among 127 communities (US Census Bureau).
- Size percentile: it is larger than about 6% of the places in Montana (US Census Bureau).
- Coordinates: it sits at 47.0261, -108.8031 in the US Census Bureau Gazetteer.
- Nearest larger cities: Winnett, MT (22 mi); Lewistown, MT (31 mi); Roundup, MT (42 mi); Moore, MT (42 mi); Winifred, MT (46 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Judith Gap, MT (51 mi); Neihart, MT (91 mi) (US Census Bureau).
What a personal loan costs in Grass Range
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Grass Range
The Montana rate caps and licensing rules that reach Grass Range are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Grass Range
The order below is a sensible way to approach a loan in Grass Range:
- 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.