Personal loans in Hingham, MT
Consumer lending that reaches Hingham's 130 residents is governed by Montana statute; no city ordinance changes it. Hingham ranks 117th of 127 places in Montana, with a population near 130.
The roughly 130 people who live in Hingham borrow under Montana rules; city hall sets no personal-loan rate. Census figures show Hingham holding steady across 2020 to 2023. If debt is already a strain, a nonprofit credit counsellor can help Hingham residents before they take on more. The nearest larger metro is Chester, MT about 25 miles away.
The Hingham data picture
The figures below are Hingham's own — Census population, land area and coordinates — followed by the Montana rules.
- Population: the Census counts 130 residents in Hingham (Vintage 2023 subcounty estimate), the 117th-largest figure among Montana's 127 places.
- Population trend: Steady across the 2020-to-2023 comparison.
- Size percentile: about 8% of Montana communities are smaller than Hingham (130 residents).
- Population density: 756 people per square mile on 0.2 square miles of land.
- Land area rank: Hingham's 0.2 square miles rank 122nd of 127 places in Montana.
- Share of state population: Hingham's 130 residents are about 0.0% of Montana.
- Nationally: Hingham is the 17,597th-largest of 19,457 Census places in the dataset.
- Growth rank: Hingham ranks 84th among Montana's 127 places for the 2020-to-2023 change.
- Against the state trend: Hingham's 0.0% change compares with a Montana average of +3.8% across its 127 places.
- Density rank: Hingham places 84th among Montana's places by people per square mile.
- Against the state median: Hingham runs about 756 residents per square mile, where the Montana median is 1,071.
- Location: the Census Gazetteer records it at 48.5554, -110.4213.
- Nearest larger cities: Chester (25 mi); Big Sandy (30 mi); Havre (34 mi); Fort Benton (51 mi); Chinook (54 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Dodson (100 mi); Neihart (113 mi).
- Within a 50-mile radius: 0 smaller Census places.
- At 100 miles: 21 larger Census places fall inside that radius.
What a Hingham borrower is actually offered
In Hingham, a small community of about 130, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hingham. The term you choose in Hingham decides the split between a comfortable payment and the total interest you pay.
How Montana law applies in Hingham
When Montana does not publish a figure, the row links to the source instead of inventing a number; Hingham is bound by the same rules.
| 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 |
What is available to Hingham borrowers
Hingham is a moderately settled community of about 130 people, with 3 larger places inside a 50-mile radius. A Montana licence lets a lender serve Hingham without a local office, so branch density does not change what its 130 residents are offered. The nearest bigger place is Chester, MT about 25 miles away.
Land, water and location for Hingham
Inside Hingham's boundaries lie about 0.2 square miles of land, with no significant water area recorded. With 130 residents, the land area yields roughly 756 people per square mile. The state's population centre of gravity, Billings, is roughly 210 miles away. Counting outward 50 miles, 3 larger communities surround Hingham. By land area it ranks 122nd of 127 Montana places.
A practical checklist for Hingham borrowers
These steps shape the offer you get in Hingham, a place of about 130 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Montana regulator's licence list.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
The process is identical across Montana; what changes is your credit file, not the fact that Hingham holds 130 people.
Common questions
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Nearby places
- Big Sandy, MT — population 588
- Chester, MT — population 853
- Havre, MT — population 9,330
- Fort Benton, MT — population 1,425
- Geraldine, MT — population 203
- Chinook, MT — population 1,160
- Belt, MT — population 523
- Denton, MT — population 212