Personal loans in Ismay, MT

Ismay's population held flat through the 2020-to-2023 comparison. For the 19 people in Ismay, Montana runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Pull your credit reports and line up at least three offers before you apply from Ismay. The nearest larger metro is Plevna, MT about 14 miles away.

Ismay: population, trend and location

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

• Population: an estimated 19 residents, 127th of 127 places in Montana (Census Vintage 2023 subcounty estimate).
• Population trend: Stable from the 2020 base to 2023.
• Size percentile: about 0% of Montana's Census places are smaller than Ismay.
• Population density: 45 people per square mile on 0.4 square miles of land.
• Land area: Ismay covers 0.4 square miles, the 99th-largest area among Montana's 127 places.
• Share of Montana: Ismay holds about 0.0% of the state's population, some 19 people.
• National rank: Ismay sits 19,356th by population among the 19,457 places in this dataset.
• Growth in Montana: Ismay stands 85th by percentage change from 2020 to 2023, among 127 places.
• State comparison: Montana's places average +3.8% for 2020-to-2023, against Ismay's 0.0%.
• Density in Montana: Ismay ranks 125th by people per square mile.
• Density vs Montana: Ismay's 45 people per square mile compare with a state median of 1,071.
• Location: it lies at 46.5002, -104.7929 in the Census Gazetteer.
• Nearest larger cities: Plevna (14 mi); Baker (26 mi); Terry (32 mi); Golva (42 mi); Glendive (42 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Bucyrus (100 mi); Haynes (117 mi).
• Within a 50-mile radius: 0 smaller Census places.
• At 100 miles: 30 larger Census places fall inside that radius.

Lender access in Ismay

With about 45 residents per square mile, Ismay is sparsely settled, and 9 larger Census places sit within 50 miles. Lenders licensed in Montana reach Ismay's 19 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Plevna, MT about 14 miles away.

How Montana law applies in Ismay

Every row below records a Montana rule, its publisher and its retrieval date — the same rules a Ismay lender must follow.

Land, water and location for Ismay

Ismay's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. With 19 residents, the land area yields roughly 45 people per square mile. For the state's biggest city, Billings, the distance is roughly 187 miles. Within 50 miles of Ismay there are 9 larger Census places. Within the same 50 miles lie 0 smaller Census places.

What to do before borrowing in Ismay

Complete these steps first when you borrow in Ismay (19 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
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. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Ismay and the rest of Montana is not the process but the borrower's own file, among the 19 people here.

The anatomy of a Ismay personal loan

Ismay is a small community of about 19 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Ismay lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Ismay loan but raises total interest, so the smallest payment is not the cheapest loan.