Whitehall at a glance
- Population: roughly 1,080 people; 52nd of 127 places in Montana (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,003 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 7.7% since the 2020 count (US Census Bureau).
- Rank among Montana places: 52nd in population of 127 places (US Census Bureau).
- Size percentile: ahead of around 59% of Montana places in population terms (US Census Bureau).
- Coordinates: latitude 45.8710, longitude -112.0976 (US Census Bureau Gazetteer).
- Nearest larger cities: Boulder, MT (25 mi); Three Forks, MT (26 mi); Manhattan, MT (37 mi); Townsend, MT (42 mi); Belgrade, MT (45 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Walkerville, MT (24 mi); Twin Bridges, MT (25 mi); Sheridan, MT (29 mi) (US Census Bureau).
What a personal loan costs in Whitehall
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Montana lending rules that apply in Whitehall
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 Whitehall
These steps are the ones that most affect the offer you receive in Whitehall:
- 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.