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Best Bad-Credit Loan Lenders in Montana

You probably have a lot at stake when finding the right bad-credit loan in Montana. That's why we compiled the details of the two best lenders in the state.

We analyzed over 30 data points, including APR, repayment terms and other information, to help you make an informed decision based on your needs. Our analysis revealed Upstart and Upgrade are good considerations if you have poor credit.

Best Overall Bad-Credit Loan in Montana: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in Montana: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in Montana for You

When it comes to borrowing money, you should know exactly what you're doing and where to find the best deal.

The average personal loan debt in Montana is $15,921, though you may be able to get more or less. MoneyGeek will walk you through how to choose Montana’s best bad-credit lender for your needs:


Ask Yourself the Important Questions

While bad-credit loans can work for those with poor credit and no other options, they do come with risks. Before applying for a bad-credit loan, consider the following:

  • How much funding do you need? The amount you borrow determines how much interest accrues. If you only need a small amount of money, it might be better to borrow from friends or family.
  • What’s your credit score? A low or non-existent score means lenders might have doubts about your reliability. Getting a co-signer — if allowed — can help. Knowing your score also can help you narrow down lender options.
  • Can you afford the monthly payments? Look at your income and current expenses. Ensure you can make your bad-credit loan payments.
  • Do you have existing debts? If the lender isn't sure you can repay a loan, they may refuse your application. However, if your other debts are being paid on time, having debts may not be a huge deal.
  • Is your debt manageable through other means? If your debt is manageable through other means, like budgeting and saving, then applying for a bad-credit loan might not be necessary.

Do Your Research

Any time you borrow money, you’re committing to pay it back over the next two to four years.

MoneyGeek has helped many consumers find the right loans for their needs, but even we can’t tell how well each one will work out for individual people in the long run.

What we do know is comparing different lenders is key to finding the best deal and payment terms for your situation.

Each person should do their own research into lenders to make an informed decision.


Read the Fine Print

Settling for a seemingly good deal can lead to a mountain of debt. A lot of information can be buried deep in your contract or agreement form.

Make sure you aren't being charged extra fees or have higher interest than advertised. Some fees you need to look out for are origination, prepayment and late fees.



Wait a day or two to think about your decision. Make sure you're committed to taking out this particular loan. Once there's no doubt in your mind, go ahead and apply.



Documents like your driver's license and proof of address are standard requirements for most lenders. Proof of income is almost always needed, too. You should also put together other financial documents showing your situation in full, such as bank statements or tax returns.

What to Do if You Can’t Get a Bad-Credit Loan in Montana

When facing a credit crisis, it can be frustrating to be rejected by loan companies. But it's not personal, and it happens to many people.

There are a lot of reasons why a company might turn down an applicant. These could include a history of not paying back debts or having a lower income than needed. It could even be as simple as forgetting a signature. Find the exact reason for being turned down by calling or emailing your lender.

In most cases, the only way to get approved is to improve one or more of these factors. For accidents on paperwork or asking for terms or amounts the lender doesn't like, you may be able to renegotiate and not have to apply again.

You can also choose to apply with another lender. Make sure your situation has improved before doing so. This means working on your credit score by paying your bills on time or fixing errors on your credit report.

Payday loans can be tempting when you need money fast, but they're not something you should rely on. These loans charge exorbitant interest rates and fees and can put you in a cycle of debt.

Calculate Your Monthly Payment

When you take out a personal loan, you must pay it back in installments. To see if your finances will allow you to make these payments, calculate your monthly payment using MoneyGeek's personal loan calculator first.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Bad-Credit Loans in Montana

Your best lender depends on your needs and situation. These are some of the most common questions people ask about getting a loan with bad credit in Montana.


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MoneyGeek compared 30 different personal loan lenders. We considered six key categories — loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency — and 35 individual data points to help borrowers find the best lender for their needs.

These data points include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

We also value your time and experience, so we looked at customer support, business ratings and mobile applications.

Your best interest is our top priority, so our recommendations and advice are meant to help you make wise financial decisions.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.