Stevensville at a glance
- Population: about 2,210, 30th by size in Montana of 127 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,004 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 10.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Montana places: 30th by size among 127 communities (US Census Bureau).
- Size percentile: roughly 76% of places in Montana rank below it by population (US Census Bureau).
- Coordinates: 46.5071 latitude, -114.0887 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Hamilton, MT (18 mi); Missoula, MT (26 mi); Anaconda-Deer Lodge, MT (53 mi); Deer Lodge, MT (65 mi); Polson, MT (82 mi) (US Census Bureau populations).
- Nearest smaller communities: Pinesdale, MT (14 mi); Darby, MT (34 mi); Alberton, MT (39 mi), each a US Census place.
What a personal loan costs in Stevensville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Montana lending rules that apply in Stevensville
The table carries the Montana rate and licensing rules that apply to consumer loans made in Stevensville.
| 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 Stevensville
These steps are the ones that most affect the offer you receive in Stevensville:
- 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.