Payday loans in Helena, Montana |
helena montana

Compare your loan options in Helena, Montana

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Here’s what you should know before applying for a payday loan in Helena.

When you’re strapped for cash and need a little bit extra to get you to your next payday, a short-term loan could get you the cash you need. If you’re a resident of Helena, there are plenty of options available to you. Read up on Montana law to make sure you’re getting the best deal for your time.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure

    What should I know before I apply for a short-term loan in Helena, Montana?

    Payday loans in Helena are legal under Montana Code Annotated 31-1-701 et seq. and are restricted to keep consumers protected. The annual percentage rate (APR) is capped at 36% for all loans issued, and you can borrow up to $300 or 25% of your gross monthly income for terms of 31 days or less.

    All lenders are required to be licensed before issuing loans, whether they operate in the state or online.

    You can learn about Montana’s short-term loan laws here

    A selection of online short-term loans you can apply for

    Check the websites of any providers you’re interested in to confirm they operate in Montana.

    Rates last updated December 13th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    Why borrow a payday loan in Helena?

    • Get cash quickly. If you apply online, you can have your loan deposited into your bank account as soon as the next business day. If you decide to visit a storefront, you may be able to get your loan before you leave.
    • Low maximum amount. You can borrow anywhere from $50 to $300 in Montana. Although this may not seem like a lot, the small amount can help you avoid high fees and other charges for potential late payments.
    • Easy application process. Most applications only take a few minutes if you have all the personal information and documents ready to go.

    Abe needed money for a large dentist bill

    Abe needed immediate dental treatment, but it wasn’t covered by his insurance. With very little to spare in his savings and a bad credit history, Abe wasn’t able to pay for his bill through traditional methods. A coworker suggested he look into a payday loan since Montana law keeps the interest rate low.

    He visited a short-term loan store near his work and applied for a loan of $300. The loan contract specified he would have to repay this money within 31 days and would be charged the maximum APR of 36%. This meant Abe would have to pay $9 in interest on his loan.

    Abe left a check for $309 with his lender, which was cashed on the due date. He was able to pay for his surgery without going deep into debt or depleting his savings.

    How do I get a payday loan in Helena?

    Before applying, make sure that you meet these eligibility criteria:

    • You’re at least 18 years old
    • You’re a US citizen or permanent resident
    • You have a steady source of income

    You’ll also need to give the lender some personal information in order to confirm your identity and have the loan issued if you’re approved. This includes your name, Social Security number, gross monthly income and employment information. If you’re aplying online, the lender will likely require you to give access to your bank account.

    Payday loans in Helena

    Payday lending stores in Helena

    • Big Sky Financial of Helena, Inc. 1111 North Rodney #2, Helena, MT 59601
    • Express Loans of America. Caboose Way, Helena, MT 59601
    • Montana Community Finance Corporation. 825 Great Northern Blvd Suite 301, Helena, MT 59601
    • Montana Livestock AG Credit. 420 N California St # 2, Helena, MT 59601
    • Payday Loans Helena. 996 N Ewing St, Helena, MT 59601
    • Quik Check. 1101 E Lyndale Ave, Helena, MT 59601

    How much will a loan in Helena cost me?

    Since Montana caps the annual percentage rate (APR) a lender can charge at 36%, you won’t have to pay the astronomically high interest rates found in other states. This means that a payday loan will be relatively cheap and much more affordable. For instance, if you decide to borrow $100, you’ll only have to pay back $101.39. In other states, that amount could be anywhere from $110 to $120. This helps protect you from having to pay more than you can afford for a short-term loan.

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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