Personal loans in Poplar, MT

Poplar is a small community in Montana, with an estimated 727 residents, and every licensed lender here follows the same state rulebook. Read the disclosure for an origination fee and any prepayment penalty before signing in Poplar.

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.

With an estimated 727 residents, Poplar is the 69th-largest of 127 places in Montana. Which products a lender may offer to Poplar's 727 residents follows from the Montana consumer-lending framework. A 2020-to-2023 comparison shows Poplar down by about 4.6%. For a bigger market, look to Wolf Point, MT about 21 miles away.

Borrowing in Poplar: the local picture

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

The Poplar borrowing checklist

For Poplar's roughly 727 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  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. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Poplar-specific: the same Montana licensing and disclosure rules reach all 727 residents.

How Montana law applies in Poplar

These are Montana's sourced lending facts as they reach Poplar's 727 residents; the state has no city-level rate rule.

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
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
Payday lending statusLegal; 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

Where Poplar sits

Inside Poplar's boundaries lie about 0.3 square miles of land, with no significant water area recorded. That land carries about 2,615 people per square mile. The state's population centre of gravity, Billings, is roughly 225 miles away. Within 50 miles of Poplar there are 2 larger Census places. Within the same 50 miles lie 6 smaller Census places.

Lender access in Poplar

Poplar is a fairly dense community of about 727 people, with 2 larger places inside a 50-mile radius. Whether Poplar has a local branch or not, a Montana-licensed lender can serve its 727 people online on the same terms. For a larger market, the closest option is Wolf Point, MT about 21 miles away.

How Poplar compares across Montana

Among Montana's 127 places, Poplar sits at 69th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 126th of 127 Montana places, putting it near the 1th percentile for growth. Its roughly 2,615 residents per square mile place it 6th among Montana's places. The population moved by about 35 people between 2020 and 2023, a 4.6% shift.

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