Personal loans in Ennis, MT

When Montana caps or restricts a product, lenders either change the terms or withdraw it from Ennis as from the rest of the state. With an estimated 1,047 residents, Ennis is the 53rd-largest of 127 places in Montana.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

For a borrower among the roughly 1,047 residents of Ennis, a personal loan is a tool whose cost turns on the terms, not the address. The trend for Ennis between 2020 and 2023 is upward by roughly 13.9%. Use the calculator on this page to price an amount and term before you commit in Ennis. The nearest larger metro is Three Forks, MT about 39 miles away.

Where Ennis stands

Set out below is Ennis's local context next to the state-level rules that reach every lender here.

Ennis: area, density and distance

The Census Gazetteer records about 0.7 square miles of land within Ennis, with no significant water area listed. Spread across it are roughly 1,419 residents per square mile. For the state's biggest city, Billings, the distance is roughly 157 miles. Counting outward 50 miles, 6 larger communities surround Ennis. Within the same 50 miles lie 3 smaller Census places.

Where Ennis sits in Montana

Set beside Montana's 127 places, Ennis ranks 53rd by population and holds about 0.2% of the state total. Its 2020-to-2023 change ranks 9th of 127 Montana places, putting it near the 93th percentile for growth. At about 1,419 people per square mile, Ennis is the 42nd most densely settled place in Montana. Between 2020 and 2023 the count changed by roughly 128 residents.

How personal loans work in Ennis

A Ennis personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,047 residents. A lender serving Ennis's 1,047 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Ennis loan is knowable in advance — unlike a revolving card balance.

Montana rules behind a Ennis personal loan

Montana has no separate rate rule for Ennis; the sourced rows below are what reach every lender that serves its 1,047 people.

RuleDetailSource
State lending regulatorMontana 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

How lenders reach Ennis

Ennis is a moderately settled community of about 1,047 people, with 6 larger places inside a 50-mile radius. Distance to a branch rarely matters for Ennis's 1,047 residents: the application is online and the price follows your credit file. The nearest bigger place is Three Forks, MT about 39 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Ennis if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Ennis is the same as anywhere in Montana.
What loan size can I expect in Ennis?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Ennis?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Ennis cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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