Personal loans in Opheim, MT

Census figures put the 2020-to-2023 decrease in Opheim at about 1.4%. Verify the lender's Montana licence against the regulator named below before borrowing in Opheim. Borrowers who want a bigger city can look to Scobey, MT about 45 miles away. Rate ceilings, licensing requirements and product limits for Opheim are all set at the Montana level.

The Opheim data picture

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

• Population: about 73, ranked 124th of 127 places in Montana (Census Vintage 2023 subcounty estimate).
• Population trend: About 1.4% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: bigger than about 2% of the places in Montana, with 73 residents in Opheim.
• Population density: 349 people per square mile on 0.2 square miles of land.
• Land area rank: Opheim's 0.2 square miles rank 121st of 127 places in Montana.
• Within Montana: about 0.0% of the state's population lives in Opheim.
• Nationally: Opheim is the 18,600th-largest of 19,457 Census places in the dataset.
• Growth rank: Opheim ranks 96th among Montana's 127 places for the 2020-to-2023 change.
• State comparison: Montana's places average +3.8% for 2020-to-2023, against Opheim's 1.4%.
• Density rank: Opheim places 108th among Montana's places by people per square mile.
• Against the state median: Opheim runs about 349 residents per square mile, where the Montana median is 1,071.
• Location: latitude 48.8571, longitude -106.4084 (Census Gazetteer).
• Nearest larger cities: Scobey (45 mi); Glasgow (47 mi); Nashua (50 mi); Saco (51 mi); Fort Peck (59 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Flaxville (56 mi); Fortuna (120 mi).
• Smaller places within 50 miles: 0 of them.
• At 100 miles: 14 larger Census places fall inside that radius.

Getting a loan in Opheim

With about 349 residents per square mile, Opheim is lightly settled, and 2 larger Census places sit within 50 miles. Distance to a branch rarely matters for Opheim's 73 residents: the application is online and the price follows your credit file. The nearest bigger place is Scobey, MT about 45 miles away.

What Montana law requires in Opheim

The rows below set out what a licensed lender must follow in Montana, and so for Opheim's roughly 73 residents.

Opheim's place among Montana's 127 places

Opheim is the 124th-largest of 127 Census places in Montana and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Opheim stands 96th among Montana's 127 places — roughly the 24th percentile. Its roughly 349 residents per square mile place it 108th among Montana's places. Within 50 miles sit 0 smaller Census places, alongside the 2 that are larger.

Where Opheim sits

Opheim covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 73 residents, the land area yields roughly 349 people per square mile. For the state's biggest city, Billings, the distance is roughly 235 miles. A 50-mile radius around Opheim takes in 2 places that are larger. Within the same 50 miles lie 0 smaller Census places.

Steps to take before a Opheim loan

For Opheim's roughly 73 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. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Montana licence with the regulator listed on this page.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Opheim as elsewhere in Montana, the written terms — not the advertisement — are what count for its 73 residents.