Lodge Grass at a glance
- Population: 429 — 84th in Montana, which has 127 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 439 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 2.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Montana places: 84th largest of 127 (US Census Bureau).
- Size percentile: larger than about 34% of the Census places in Montana (US Census Bureau).
- Coordinates: mapped at 45.3143, -107.3678 by the US Census Bureau Gazetteer.
- Nearest larger cities: Ranchester, WY (30 mi); Dayton, WY (31 mi); Hardin, MT (32 mi); Sheridan, WY (41 mi); Colstrip, MT (54 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Frannie, WY (65 mi); Deaver, WY (67 mi); Clearmont, WY (67 mi), each a US Census place.
What a personal loan costs in Lodge Grass
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Lodge Grass
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 |
|---|---|---|
| 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 Lodge Grass
Run through this list before signing anything in Lodge Grass:
- 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.