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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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
MT Division of Banking and Financial Institutions