Personal loans in Wibaux, MT

A personal loan in Wibaux is priced from your credit file and income, not from the fact that the city holds 449 people. Lenders active in Wibaux report to a Montana supervisor, identified in the sourced rows below.

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.

By population, Wibaux sits at 83rd in Montana, with an estimated 449 residents. Pull your credit reports and line up at least three offers before you apply from Wibaux. The trend for Wibaux between 2020 and 2023 is downward by roughly 2.4%. The nearest larger metro is Beach, ND about 10 miles away.

Wibaux: the sourced local profile

Read the local figures below as context; read the sourced Montana table as the rulebook a lender here must follow.

Getting a loan in Wibaux

Wibaux is a lightly settled community of about 449 people, with 4 larger places inside a 50-mile radius. Lenders licensed in Montana reach Wibaux's 449 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Beach, ND about 10 miles away.

Land, water and location for Wibaux

The Census Gazetteer records about 1.1 square miles of land within Wibaux, with no significant water area listed. That land carries about 418 people per square mile. Billings, the largest place in Montana, is about 224 miles from Wibaux. A 50-mile radius around Wibaux takes in 4 places that are larger. The 100-mile radius contains 19 larger places.

The state rulebook for Wibaux

For the roughly 449 residents of Wibaux, the rules below are Montana's own; each row carries its publisher and retrieval date.

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

How personal loans work in Wibaux

In Wibaux, a small community of about 449, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Wibaux's 449 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Wibaux loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Wibaux's place among Montana's 127 places

Within Montana, Wibaux holds roughly 0.1% of all residents, the 83rd-largest share among 127 places. For population change between 2020 and 2023, Wibaux ranks 112th of 127 in Montana (about the 12th percentile). By density, at about 418 people per square mile, it ranks 102nd in Montana. By land area, its 1.1 square miles rank 53rd of 127 places in Montana.

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

Nearby places

Related