Payday Loans in Canyon Creek, Montana

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No payday loan companies in Canyon Creek, MT. Consider companies in other cities:

Company nameAddressZip codePhone number
First Citizens Bank 2425 Central Ave, Billings, MT 59102 +1 (406) 247 - 4105
Bank of the Rockies 205 1st St, Wilsall, MT 59086 +1 (406) 686 - 4204
Granite Mountain Bank 605 Dewey Blvd, Butte, MT 59701 +1 (406) 533 - 0600
LPL Financial 1216 16th St W 20, Billings, MT 59102 +1 (406) 245 - 0972
Ayers Michele M CPA 618 W Main St UNIT 202, Lewistown, MT 59457 +1 (406) 535 - 4051
Wooden Nickel Pawn 4000 U.S. 93 S, Kalispell, MT 59901 +1 (406) 257 - 4570
Western Union Us Bank, 619 Main St, Miles City, MT 59301 +1 (406) 232 - 0810
Western Security Bank 121 E 1st St, Laurel, MT 59044 +1 (406) 628 - 8676
Whitefish Credit Union - Thompson Falls Branch 107 Pond St, Thompson Falls, MT 59873 +1 (406) 827 - 5626
First Security Bank 33 Ice Center Lane, Bozeman, MT 59718 +1 (406) 582 - 1500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Canyon Creek, MT, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Billings, MT, Short-term Loans in Bozeman, MT, Payday Loans in Great Falls, MT, Payday Loans in Helena, MT and Payday Loans in Missoula, MT. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Canyon Creek, MT.

Useful Articles

Are Payday Loans Legal In Canyon Creek, Montana?

Loan Rates and Fees, Laws and Regulations in Montana.

Montana Loan Regulations

Legal StatusLegal (at a low cost)
Interest Rate (APR, %)36% small loan cap
Maximum Loan Amount$300
Minimum Loan Term14 days
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges$1.39 for a $100 loan given for 2 weeks

Canyon Creek, MT payday loan calculator

Advise to read before applying

Understanding Payday Loans in Canyon Creek, Montana

Many individuals in Canyon Creek, Montana, often face financial emergencies where they require cash urgently to solve their financial problems. Payday loans serve as a quick solution to such financial emergencies. While payday loans are legal in Montana, it is essential to understand the process, regulations, and associated cost before applying for a payday loan.

How do Payday Loans in Canyon Creek, Montana Work?

A payday loan is a short-term high-interest loan that requires repayment in full on the borrower’s next payday. The amount of funds borrowed usually ranges from $100 to $1,000. The loan application process is straightforward and usually requires minimum documentation.

  • The borrower writes a postdated check to the lender, with the loan amount and fee included.
  • The lender gives the borrower the loan amount.
  • The lender then cashes the check on the borrower’s next payday, generally within two to four weeks.

The payday loan process is generally quick and easy, making it an attractive option for individuals in urgent need of cash. However, the short repayment term and high-interest rates make it a high-risk loan product.

Payday Loan Regulations in Canyon Creek, Montana

It is essential to know and understand the payday loan laws and regulations in Montana before applying for a payday loan.

  • Payday loans are legal in Montana, and a maximum loan amount of $300 is permitted.
  • The maximum term for a payday loan is 31 days, and the maximum annual percentage rate (APR) is 36%.
  • Lenders can charge up to 36% APR, a loan origination fee of $5, and a verification fee of $1 per loan.
  • Borrowers can take out only one payday loan at a time.

The Cost of Payday Loans in Canyon Creek, Montana

While payday loans can be a quick solution to financial emergencies, their high-interest rate and fees make them an expensive option to borrow money. It is essential to understand the cost structure of payday loans before considering them as a solution.

  • For a $100 payday loan with a maximum term of 31 days, the finance charge of the loan would be $1.39.
  • The APR on a $100 loan for 31 days would be 36%, resulting in a total repayment amount of $101.39.
  • A borrower would need to pay $1.39 for each additional $100 borrowed.

It is crucial to understand the laws and regulations around payday loans in Canyon Creek, Montana, and the cost structure before deciding to take out a payday loan. Borrowers should also explore other options, such as personal loans or credit cards, before considering a payday loan.

Interesting Facts and Statistics about Payday Loans in Canyon Creek, Montana

  • Montana has the lowest average payday loan interest rate of 23.15% in the US. (Source: Finder.com)
  • The average payday loan borrower in Montana takes out 6 loans per year. (Source: Pew Charitable Trusts)
  • 69% of payday loan borrowers in Montana use payday loans to pay for recurring expenses, such as rent or groceries. (Source: Montana Department of Commerce)
  • 90% of payday loan borrowers in Montana have an annual income of less than $40,000. (Source: Montana Department of Commerce)

Apply Now for a Payday Loan in Canyon Creek, Montana

Are you facing a financial emergency and need quick cash? Apply now for a payday loan on TheGuaranteedLoans website. With our simple and easy online application process, we can help connect you with potential lenders quickly. Remember, we are not a direct lender; we are a connector service that can facilitate your connection with lenders. Apply now and get the cash you need to solve your financial emergency.

F.A.Q.

What are the fees and interest rates for payday loans in Canyon Creek, Montana,

Payday lenders in Canyon Creek, Montana are limited to charging a maximum fee of $30 for each $100 borrowed, which equates to an annual percentage rate (APR) of around 780%. This is significantly higher than the APR on traditional loans, which is why payday loans are considered to be a high-cost form of credit.

Are there any alternatives to payday loans in Canyon Creek, Montana,

Yes, there are several alternatives to payday loans in Canyon Creek, Montana, including small-dollar loans from banks and credit unions, credit card cash advances, and loans from family and friends. These options may have lower fees and interest rates than payday loans, but it's important to carefully consider the terms and conditions before borrowing.

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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