Personal loans in Boulder, MT
For a borrower among the roughly 1,283 residents of Boulder, a personal loan is a tool whose cost turns on the terms, not the address. A 2020-to-2023 comparison shows Boulder up by about 6.8%.
About 1,283 people live in Boulder, placing it 48th of 127 Census places in Montana. If debt is already a strain, a nonprofit credit counsellor can help Boulder residents before they take on more. Which products a lender may offer to Boulder's 1,283 residents follows from the Montana consumer-lending framework. The closest larger city is Helena, MT about 25 miles away.
Boulder: the sourced local profile
Read the local figures below as context; read the sourced Montana table as the rulebook a lender here must follow.
- Population: 1,283 — Boulder ranks 48th of 127 communities in Montana (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 6.8% from 2020 to 2023.
- Absolute change: 82 residents added between 2020 and 2023.
- Size percentile: about 62% of Montana communities are smaller than Boulder (1,283 residents).
- Land and density: 1.1 square miles of land carry roughly 1,141 residents per square mile.
- Land area: Boulder covers 1.1 square miles, the 50th-largest area among Montana's 127 places.
- Share of state population: Boulder's 1,283 residents are about 0.2% of Montana.
- National rank: Boulder is 9,296th of 19,457 places nationwide.
- Growth rank: Boulder ranks 41st among Montana's 127 places for the 2020-to-2023 change.
- State comparison: Montana's places average +3.8% for 2020-to-2023, against Boulder's 6.8%.
- Density in Montana: Boulder ranks 61st by people per square mile.
- Density vs Montana: Boulder's 1,141 people per square mile compare with a state median of 1,071.
- Location: latitude 46.2358, longitude -112.1197 (Census Gazetteer).
- Nearest larger cities: Helena (25 mi); East Helena (26 mi); Townsend (29 mi); Deer Lodge (31 mi); Three Forks (36 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Walkerville (24 mi); Whitehall (25 mi); Twin Bridges (49 mi), each with its own Census population profile.
- Within a 50-mile radius: 3 smaller Census places.
- Within 100 miles: 14 places are larger than Boulder.
Montana consumer-lending rules applied in Boulder
This table holds the Montana rate and licensing rules for consumer loans made to Boulder's 1,283 residents.
| 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 |
| 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 |
Borrowing reach in Boulder
At roughly 1,141 people per square mile, Boulder is moderately settled; 7 larger places lie within 50 miles. Whether Boulder has a local branch or not, a Montana-licensed lender can serve its 1,283 people online on the same terms. For a larger market, the closest option is Helena, MT about 25 miles away.
Boulder's place among Montana's 127 places
Set beside Montana's 127 places, Boulder ranks 48th by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Boulder stands 41st among Montana's 127 places — roughly the 68th percentile. Its roughly 1,141 residents per square mile place it 61st among Montana's places. Between 2020 and 2023 the count changed by roughly 82 residents.
Land, water and location for Boulder
Inside Boulder's boundaries lie about 1.1 square miles of land, with no significant water area recorded. Spread across it are roughly 1,141 residents per square mile. Billings, the largest place in Montana, is about 174 miles from Boulder. A 50-mile radius around Boulder takes in 7 places that are larger. By land area it ranks 50th of 127 Montana places.
How personal loans work in Boulder
With roughly 1,283 residents, Boulder is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Boulder. A longer term lowers the monthly payment on a Boulder loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
What are my options in Boulder if my credit is poor?
What loan size can I expect in Boulder?
Do I have to pledge anything to borrow in Boulder?
Does comparing loans in Boulder cost me credit score points?
Nearby places
- Whitehall, MT — population 1,080
- Helena, MT — population 34,464
- East Helena, MT — population 2,138
- Walkerville, MT — population 659
- Townsend, MT — population 2,133
- Deer Lodge, MT — population 3,030
- Three Forks, MT — population 1,986
- Twin Bridges, MT — population 385