Personal loans in Moore, MT

From the 2020 Census base to the 2023 estimate, the population rose by about 3.6%. Moore is a small community of about 202 residents, and a personal loan taken out here is governed by Montana statute.

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.

About 202 people live in Moore, placing it 105th of 127 Census places in Montana. The next larger city is Lewistown, MT about 13 miles away. Consumer lending that reaches Moore's 202 residents is governed by Montana statute; no city ordinance changes it. For a community of about 202, the practical step is to compare APR across at least three lenders before committing.

Local context for Moore

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

The Montana lending rules that reach Moore

When Montana does not publish a figure, the row links to the source instead of inventing a number; Moore is bound by the same rules.

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

Where Moore sits

The Census Gazetteer records about 0.3 square miles of land within Moore, with no significant water area listed. With 202 residents, the land area yields roughly 692 people per square mile. The state's population centre of gravity, Billings, is roughly 98 miles away. A 50-mile radius around Moore takes in 4 places that are larger. Within the same 50 miles lie 5 smaller Census places.

How personal loans work in Moore

In Moore, a small community of about 202, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Moore's 202 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Moore decides the split between a comfortable payment and the total interest you pay.

The Moore borrowing checklist

For Moore's roughly 202 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Montana licence with the regulator named above before committing.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Moore and the rest of Montana is not the process but the borrower's own file, among the 202 people here.

Moore's place among Montana's 127 places

Within Montana, Moore holds roughly 0.0% of all residents, the 105th-largest share among 127 places. Its 2020-to-2023 change ranks 54th of 127 Montana places, putting it near the 57th percentile for growth. By density, at about 692 people per square mile, it ranks 88th in Montana. In land area, Moore ranks 112th among Montana's 127 places.

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 Moore 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 Moore is the same as anywhere in Montana.
What loan size can I expect in Moore?
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 Moore?
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 Moore 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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