Personal loans in Plentywood, MT
With roughly 1,647 residents, Plentywood is a small community, and the lending rules its borrowers live under are written in Montana, not by the city. With 1,647 residents, Plentywood outranks about 66% of the communities in Montana.
Plentywood lost roughly 1.4% of its population across the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Plentywood's 1,647 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Plentywood loan. The next larger city is Williston, ND about 58 miles away.
Plentywood: population, trend and location
Set out below is Plentywood's local context next to the state-level rules that reach every lender here.
- Population: 1,647 residents; Plentywood is the 43rd-largest of 127 places in Montana (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 1.4% from 2020 to 2023.
- People gained or lost: about 24 fewer since the 2020 base.
- Size percentile: about 66% of Montana's Census places are smaller than Plentywood.
- Population density: about 1,214 people per square mile (Census land area 1.4 sq mi).
- Land area rank: Plentywood's 1.4 square miles rank 39th of 127 places in Montana.
- Share of Montana: Plentywood holds about 0.3% of the state's population, some 1,647 people.
- National standing: Plentywood ranks 8,355th of 19,457 US places.
- Growth rank: Plentywood's 2020-to-2023 change ranks 98th of 127 places in Montana.
- Against the state trend: Plentywood's 1.4% change compares with a Montana average of +3.8% across its 127 places.
- Density in Montana: Plentywood ranks 58th by people per square mile.
- Against the state median: Plentywood runs about 1,214 residents per square mile, where the Montana median is 1,071.
- Location: it lies at 48.7760, -104.5573 in the Census Gazetteer.
- Nearest larger cities: Williston (58 mi); Wolf Point (69 mi); Sidney (75 mi); Tioga (78 mi); Watford City (90 mi). Lenders licensed in the state serve Plentywood whether or not they keep a local branch.
- Smaller places nearby: Outlook (13 mi); Medicine Lake (19 mi); Westby (24 mi).
- Smaller neighbours: 10 places smaller than Plentywood sit within 50 miles.
- Larger places within 100 miles: 5.
How personal loans work in Plentywood
Plentywood is a small community of about 1,647 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Plentywood loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Plentywood decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Plentywood
Plentywood covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,214 residents per square mile. The largest place in Montana, Billings, lies about 279 miles away. Within 50 miles of Plentywood there are 0 larger Census places. The 100-mile radius contains 5 larger places.
Which Montana laws govern a loan in Plentywood
Read the table as a lender's compliance picture for Plentywood: the rule, the sourced figure, the publisher and the date.
| 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 |
| Payday lending status | Legal; deferred deposit lenders must be licensed; fee capped at 36% per annum Source says: "A licensee may not charge a fee for making or carrying each deferred deposit loan authorized by this part that exceeds 36% per annum" | Montana Legislative Services Division (Montana Code Annotated) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer loan license required under the Montana Consumer Loan Act (32-5-101); licensing through NMLS Source says: "A consumer loan license is needed to engage in business as defined in the Montana Consumer Loan Act" | Montana Department of Administration, Division of Banking and Financial Institutions as of 2026-09-16 |
Plentywood's place among Montana's 127 places
Within Montana, Plentywood holds roughly 0.3% of all residents, the 43rd-largest share among 127 places. Its 2020-to-2023 change ranks 98th of 127 Montana places, putting it near the 23th percentile for growth. By density, at about 1,214 people per square mile, it ranks 58th in Montana. The population moved by about 24 people between 2020 and 2023, a 1.4% shift.
Getting a loan in Plentywood
Plentywood is a moderately settled community of about 1,647 people, with 0 larger places inside a 50-mile radius. A Montana licence lets a lender serve Plentywood without a local office, so branch density does not change what its 1,647 residents are offered. The nearest larger city, Williston, ND about 58 miles away.
Common questions
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Nearby places
- Outlook, MT — population 82
- Medicine Lake, MT — population 244
- Froid, MT — population 186
- Westby, MT — population 165
- Flaxville, MT — population 60
- Culbertson, MT — population 718
- Grenora, ND — population 214
- Bainville, MT — population 263