Livingston at a glance
- Population: the Census estimates 8,908 residents, ranking 11th of 127 places in Montana (Vintage 2023).
- 2020 Census base: 8,454 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 5.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Montana places: 11th-largest of 127 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 91% of places in Montana rank below it by population (US Census Bureau).
- Coordinates: 45.6656 / -110.5557, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bozeman, MT (24 mi); Belgrade, MT (31 mi); Helena, MT (95 mi); Billings, MT (97 mi); Cody, WY (108 mi); US Census Bureau population estimates.
- Nearest smaller communities: Clyde Park, MT (15 mi); Big Timber, MT (32 mi); Manhattan, MT (40 mi) (Census populations).
What a personal loan costs in Livingston
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Montana lending rules that apply in Livingston
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Livingston
The order below is a sensible way to approach a loan in Livingston:
- 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.