Car Title Loans in Montana

Montana has no statute written specifically for title loans. A loan secured by your vehicle title falls under the Montana Title Loan Act (MCA 31-1-801 through 31-1-842), which limits what a lender may charge: Consumer Loan Act licensees: interest may not exceed 36% a year, excluding the deferral and past-due fees in 32-5-301(3)-(4) (MCA 32-5-301(1)). Loans Inc connects Montana residents with participating independent lenders that offer this product. We are not a lender; the lender you are matched with decides whether to approve you and on what terms. This page explains what Montana law allows, who enforces it, and what to check before you sign.

Are title loans legal in Montana?

There is no title-loan statute; general consumer-loan rules apply. The provisions that apply are MCA 31-1-801 through 31-1-842 (repealed, Sec. 7, Ch. 278, L. 2013); MCA 32-5-301 (Consumer Loan Act – fees charged to consumers).

The operative language in the statute reads: “31-1-801. Repealed. Sec. 7, Ch. 278, L. 2013.”

Who regulates title lenders in Montana

Title lenders in Montana are supervised by the Montana Department of Administration, Division of Banking and Financial Institutions. You can check whether a lender holds a current license through the regulator’s license lookup. Complaints about a lender go to the regulator and can also be filed with the Consumer Financial Protection Bureau.

Rate caps and fees in Montana

Consumer Loan Act licensees: interest may not exceed 36% a year, excluding the deferral and past-due fees in 32-5-301(3)-(4) (MCA 32-5-301(1)); deferral fee the greater of $15 or 5% of the amount currently due, not to exceed $50 (32-5-301(3)(b)); past-due fee the greater of $15 or 5% of the amount past due, not to exceed $50, chargeable once (32-5-301(4)); no other fees or charges except those authorized by the chapter (32-5-301(6)(a)). Title-loan-specific cap: not applicable – the Title Loan Act is repealed.

Separately, federal law caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents on most consumer credit, including title loans (Military Lending Act, 32 CFR Part 232).

Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.

What the Montana cap means in dollars

Illustrative only. On a $1,000 loan for 30 days, the maximum finance charge allowed by MCA 32-5-301(1) (36% per year) is about $30, for a total repayment of about $1,030. A lender may charge less than the maximum, and the written disclosure the lender gives you before you sign is the figure that counts. This is an illustration of a statutory ceiling, not an offer from any lender.

Repossession rules in Montana

A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit. If you are struggling to pay, contact the lender before the due date; the options available to you are set by the loan agreement and Montana law.

How title loans work in Montana: requirements and process

Lenders in our network typically ask Montana applicants for:

• A vehicle title in your name, free of other liens
• A government-issued photo ID
• Proof of income or ability to repay
• Proof of Montana residence
• A vehicle inspection, often completed with photos

You apply once through our site; the lender you are matched with reviews the application and vehicle and makes the approval decision. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator. Loan amounts up to $25,000, depending on your vehicle’s value, your state, and the lender you are matched with. Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender’s approval, when you apply, document verification, and your bank’s processing.

Alternatives to a title loan in Montana

Before you borrow against your car, compare lower-cost options available to Montana residents. Federal credit unions can offer payday alternative loans with capped rates; use the NCUA credit union locator to find one near you. Dial 211 or visit 211.org for local emergency assistance programs. Nonprofit counselors listed by the National Foundation for Credit Counseling can help with a repayment plan. Our guide to title loan alternatives compares each option and when it costs less.

Frequently asked questions

Sources

Loans Inc is not a lender and does not make loans in any state. The information on this page is drawn from the sources listed below and is provided for general education. The lender you are matched with is responsible for complying with the laws of your state. Last reviewed 15 September 2026 by the Loans Inc Editorial Team. Next review due March 2027.