Personify Financial in Montana
Loan limits, APR, who actually makes the loan in Montana, state-law context, cheaper local options and how to request.
On this page
Personify Financial lends in Montana. Residents can borrow $500–$15,000 at 36.00%–179.50% APR over 12–48 months, funded the next business day. Lending via First Electronic Bank. You can also request a loan from lenders serving Montana through our independent form.
Personify's Montana terms
| Item | Montana |
|---|---|
| Loan amount | $500–$15,000 |
| APR | 36.00%–179.50% (Personify / First Electronic Bank); 6.00%–35.99% (participating creditors) |
| Terms | 12, 18, 24, 36 or 48 months |
| Origination fee | 5%–5.99%, added to balance |
| Prepayment penalty | None |
| Lender of record | First Electronic Bank (≥36% APR); participating creditors (<36%) |
What a $3,000 loan costs in Montana
| APR | Payment (36 mo) | Total repaid |
|---|---|---|
| 36% | $137 | $4,947 |
| 107.54% | $282 | $10,140 |
| 179.5% | $452 | $16,263 |
Before the origination fee. Try your own amount →
Montana law and the bank-partner model
Montana caps consumer loans at 36% by ballot initiative; bank-partner loans rely on preemption. Personify's "Who Makes the Loan" table assigns loans at or above 36% APR to First Electronic Bank, a Utah-chartered bank that exports Utah's lack of a rate cap. Consumer groups have challenged this structure; it remains in use as of October 22, 2026. Montana residents with complaints can contact the state's financial regulator or the CFPB.
Request a loan in Montana
Two-minute form, soft inquiry, offers from lenders serving Montana. No obligation.
Cheaper alternatives in Montana
- Montana credit unions — Payday Alternative Loans ($200–$2,000, ≤28% APR) and small personal loans for members.
- Prime online lenders — 6%–36% APR for roughly 580+ scores.
- Local assistance — utility hardship programs, 211 referrals and community action agencies in Helena and statewide.
- Other subprime installment lenders — compare ceilings; see Personify vs NetCredit.
Other states: North Carolina · Ohio · Oklahoma · Rhode Island · all 27 states.
People also ask about Personify in Montana
Is Personify Financial licensed in Montana?
Loans at or above 36% APR in Montana are made by First Electronic Bank under its Utah bank charter rather than a Montana licence; loans under 36% come from participating creditors that hold their own licences. Personify itself holds a state licence in a handful of other states. To verify any lender, contact the Montana Division of Banking and Financial Institutions, (406) 841-2920, banking.mt.gov.
What is the maximum APR a Montana lender can charge?
Montana caps consumer loans at 36% by ballot initiative; bank-partner loans rely on preemption. For a bank-originated loan the practical ceiling is Personify's published 179.50%. A Montana credit union is capped at 18% (28% for a Payday Alternative Loan) by federal rule, which is why we list credit unions first among alternatives.
How fast can Montana residents get funded?
Next business day after e-signing by 11:59 PM Central — Montana is in the Mountain time zone, so adjust the cut-off to local time. Your bank's posting rules add anything from minutes to a day.
How does the Rate Reduction program work for Montana borrowers?
The same way everywhere: on eligible loans (APR above 35.99%), the APR drops 2 percentage points after every six consecutive months of on-time payments — 6 monthly, 12 semi-monthly or 13 bi-weekly payments — to a floor of 24.00%. Reductions are permanent; a late payment restarts the clock for the next one.
Where do I complain about a lender in Montana?
Start with the lender (1-888-578-9546; [email protected]). Then the Montana Division of Banking and Financial Institutions ((406) 841-2920) for licensing questions, and the CFPB complaint database (consumerfinance.gov/complaint) for anything else. Utah's Department of Financial Institutions, (801) 538-8830, supervises First Electronic Bank.
How to request a loan in Montana
- Open the request form; select Montana and an amount between $500 and $15,000.
- Enter income, bank and contact details — soft inquiry only.
- Review APR, fee and total; sign only if it fits.
- Funds typically arrive the next business day.
Frequently asked questions
Does Personify Financial lend in Montana?
Yes. Montana is one of Personify's 27 lending states as of October 22, 2026, with loans from $500 to $15,000.
Is Personify a direct lender in Montana?
No. First Electronic Bank (Utah) is the lender of record for loans at or above 36% APR; participating creditors make loans below 36%.
Can I get a Personify loan in Montana with bad credit?
Yes, that is the product's purpose. Bad credit raises the APR toward the top of the 36%–179.50% range rather than causing a decline, provided income can be verified.
What is the Personify origination fee in Montana?
5%–5.99% of the loan, added to the balance.
Who regulates lenders in Montana?
The Montana Division of Banking and Financial Institutions, (406) 841-2920. First Electronic Bank is supervised by the Utah Department of Financial Institutions and the FDIC.
Who makes Personify loans in Montana?
Lending via First Electronic Bank.
What is the maximum APR in Montana?
Personify publishes a single 36.00%–179.50% range for all lending states; offers from participating creditors run 6%–35.99%.
Are there cheaper options in Montana?
Often: Montana credit unions offer Payday Alternative Loans at ≤28% APR, and prime online lenders go to 36%. Check them with a soft inquiry first.
Check your loan offers — $500 to $15,000
Soft credit check to see offers. Lenders in our network include installment lenders that work with bad credit. You are not applying with Personify Financial; we are an independent request service.
- No impact to your credit score to check
- Funds as soon as the next business day
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