Car Title Loans in Montana2026 Guide
Montana prohibits high-interest title loans.
Legal Status & Regulations
Governing Law
Mont. Code § 31-1-112
Last Reviewed: April 2026
Law Summary
Montana effectively prohibits high-interest title lending through a voter-approved interest rate cap (Mont. Code § 31-1-112). The state enforces a strict 36% APR cap on all consumer loans, including those secured by vehicle titles. This regulatory environment prevents the operation of traditional high-APR title lenders, ensuring that residents are protected from high-cost debt and predatory lending practices.
Real Rate Example in Montana
A $1,500 loan in Montana at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Title Loans Union Editorial Team
Consumer Finance & State Regulations Research
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
MT Division of Banking and Financial Institutions