Personal loans in Richey, MT

For a borrower among the roughly 164 residents of Richey, a personal loan is a tool whose cost turns on the terms, not the address. At about 164 residents, Richey is larger than roughly 13% of the places in Montana. The trend for Richey between 2020 and 2023 is downward by roughly 1.8%. Begin with the payment, then weigh APR and total interest across the lenders that reach Richey's 164 residents. The nearest larger metro is Circle, MT about 29 miles away.

Richey by the numbers

Two layers matter for a Richey borrower: the local population picture and Montana's consumer-lending statutes.

• Population: about 164, ranked 111th of 127 places in Montana (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 1.8% fewer residents than the 2020 Census counted.
• People gained or lost: about 3 fewer since the 2020 base.
• Size percentile: about 13% of Montana's Census places are smaller than Richey.
• Population density: 636 people per square mile on 0.3 square miles of land.
• Land area rank: Richey's 0.3 square miles rank 118th of 127 places in Montana.
• State population share: Richey accounts for about 0.0% of everyone in Montana.
• National rank: Richey is 17,061st of 19,457 places nationwide.
• Growth in Montana: Richey stands 104th by percentage change from 2020 to 2023, among 127 places.
• Versus Montana: the state average change is +3.8%, while Richey moved 1.8%.
• Density rank: Richey places 92nd among Montana's places by people per square mile.
• Density in context: Richey's 636 people per square mile sit against a Montana median of 1,071.
• Location: the Census Gazetteer records it at 47.6439, -105.0696.
• Nearest larger cities: Circle (29 mi); Poplar (33 mi); Glendive (41 mi); Wolf Point (41 mi); Sidney (42 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Sentinel Butte (76 mi); Ismay (80 mi); Flaxville (80 mi).
• Within a 50-mile radius: 0 smaller Census places.
• At 100 miles: 29 larger Census places fall inside that radius.

Lender access in Richey

Richey is a moderately settled community of about 164 people, with 7 larger places inside a 50-mile radius. A Montana licence lets a lender serve Richey without a local office, so branch density does not change what its 164 residents are offered. The nearest larger city, Circle, MT about 29 miles away.

The state rulebook for Richey

For the roughly 164 residents of Richey, the rules below are Montana's own; each row carries its publisher and retrieval date.

What to do before borrowing in Richey

A sensible order of operations for a loan in Richey, home to about 164 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
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 lender holds a Montana licence by checking the regulator named above.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Richey-specific: the same Montana licensing and disclosure rules reach all 164 residents.

How a Richey personal loan is priced

A Richey personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 164 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Richey. Shortening the term on a Richey loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Richey against the rest of Montana

Within Montana, Richey holds roughly 0.0% of all residents, the 111th-largest share among 127 places. For population change between 2020 and 2023, Richey ranks 104th of 127 in Montana (about the 18th percentile). Its roughly 636 residents per square mile place it 92nd among Montana's places. Between 2020 and 2023 the count changed by roughly 3 residents.