Roundup at a glance
- Population: 1,960 residents, the 37th-largest of 127 places in Montana (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,743 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 12.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Montana places: 37th in population of 127 places (US Census Bureau).
- Size percentile: roughly 71% of Montana's places have fewer residents (US Census Bureau).
- Coordinates: 46.4483 / -108.5397, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Billings, MT (46 mi); Laurel, MT (55 mi); Lewistown, MT (60 mi); Hardin, MT (66 mi); Red Lodge, MT (93 mi) (US Census Bureau).
- Nearest smaller towns: Lavina, MT (22 mi); Broadview, MT (29 mi); Melstone, MT (34 mi) (US Census Bureau).
What a personal loan costs in Roundup
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Roundup
The table lists the Montana rules that apply to a loan made in Roundup, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Roundup
The steps below are worth completing first when you borrow in Roundup:
- 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.