Personal loans in Froid, MT

From the 2020 Census base to the 2023 estimate, the population declined by about 4.6%. Rate ceilings, licensing requirements and product limits for Froid are all set at the Montana level. Judge Froid offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Medicine Lake, MT about 11 miles away.

The Froid data picture

The figures below are Froid's own — Census population, land area and coordinates — followed by the Montana rules.

• Population: 186 — Froid ranks 106th of 127 communities in Montana (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 4.6% between 2020 and 2023.
• People gained or lost: about 9 fewer since the 2020 base.
• Size percentile: Froid's 186 people outrank roughly 17% of the places in Montana.
• Land and density: 0.6 square miles of land carry roughly 298 residents per square mile.
• Land area rank: Froid's 0.6 square miles rank 83rd of 127 places in Montana.
• Share of Montana: Froid holds about 0.0% of the state's population, some 186 people.
• Nationally: Froid is the 16,686th-largest of 19,457 Census places in the dataset.
• Growth in Montana: Froid stands 127th by percentage change from 2020 to 2023, among 127 places.
• Against the state trend: Froid's 4.6% change compares with a Montana average of +3.8% across its 127 places.
• Density rank: Froid places 112th among Montana's places by people per square mile.
• Density in context: Froid's 298 people per square mile sit against a Montana median of 1,071.
• Location: latitude 48.3380, longitude -104.4908 (Census Gazetteer).
• Nearest larger cities: Medicine Lake (11 mi); Culbertson (13 mi); Bainville (18 mi); Plentywood (30 mi); Grenora (32 mi). Lenders licensed in the state serve Froid whether or not they keep a local branch.
• Nearest smaller places: Outlook (40 mi); Westby (42 mi); Flaxville (45 mi).
• Within a 50-mile radius: 5 smaller Census places.
• At 100 miles: 26 larger Census places fall inside that radius.

What to do before borrowing in Froid

Before you hand your details to a lender in Froid, where the population is near 186:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Montana regulator's licence list.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Froid-specific: the same Montana licensing and disclosure rules reach all 186 residents.

Which Montana laws govern a loan in Froid

For the roughly 186 residents of Froid, the rules below are Montana's own; each row carries its publisher and retrieval date.

Froid in state context

Against Montana's other places, Froid accounts for about 0.0% of the state's population and ranks 106th of 127 by size. On the 2020-to-2023 trend, Froid stands 127th among Montana's 127 places — roughly the 0th percentile. Its roughly 298 residents per square mile place it 112th among Montana's places. In land area, Froid ranks 83rd among Montana's 127 places.

Borrowing reach in Froid

Froid is lightly settled, with about 298 people per square mile and 9 larger places within 50 miles. What is available to Froid's 186 borrowers is set by Montana licensing and your own credit, not by how many branches are nearby. The nearest larger city, Medicine Lake, MT about 11 miles away.

Inside a Froid personal loan

Froid is a small community of about 186 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Froid loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Froid decides the split between a comfortable payment and the total interest you pay.