White Sulphur Springs at a glance
- Population: 1,022 (US Census Bureau, Vintage 2023 subcounty estimate), the 54th-largest of 127 places in Montana.
- 2020 Census base: 950 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 7.6% since the 2020 count (US Census Bureau).
- Rank among Montana places: 54th out of 127 Census places (US Census Bureau).
- Size percentile: larger than about 57% of the Census places in Montana (US Census Bureau).
- Coordinates: 46.5453 latitude, -110.9039 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Townsend, MT (33 mi); East Helena, MT (48 mi); Manhattan, MT (52 mi); Helena, MT (53 mi); Belgrade, MT (55 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Neihart, MT (28 mi); Clyde Park, MT (48 mi); Harlowton, MT (51 mi) (US Census Bureau).
What a personal loan costs in White Sulphur Springs
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Montana lending rules that apply in White Sulphur Springs
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 White Sulphur Springs
Run through this list before signing anything in White Sulphur Springs:
- 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.