The MFP’s Community Personal Loan Lender Survey gathers Montana borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Montana’s Personal Loan Borrowers >>
Montana Best Personal Loan Lenders
Billings, Missoula, Great Falls, Bozeman, Butte, Helena, Kalispell, Belgrade, Online.
Billings Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Billings’s area are Billings Federal Credit Union, Valley Credit Union and Altana Federal Credit Union.
- Billings Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Billings branch service, clear personal-loan guidance and strong member follow-through, which supports its top scores across all three categories.
- Valley Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Altana Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Billings Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Valley Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Altana Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Rimrock Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Montana Health Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Montana Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Stockman Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Western Security Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Opportunity Bank of Montana | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| First Interstate Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Rocky Mountain Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of Bridger | Community Bank | 4.2 | 4.1 | 4.3 | 83% |
| Yellowstone Bank | Community Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Missoula Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Missoula’s area are Clearwater Credit Union, Missoula Federal Credit Union and Horizon Credit Union.
- Clearwater Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Missoula branch service, clear borrowing guidance and strong member follow-through, which supports its top scores across all three categories.
- Missoula Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward personal-loan help and clear communication, which supports its high application and support scores.
- Horizon Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly service, useful borrowing guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Clearwater Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Missoula Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Horizon Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Park Side Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| TrailWest Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Stockman Bank | Community Bank | 4.5 | 4.4 | 4.6 | 89% |
| Opportunity Bank of Montana | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Security Bank | Community Bank | 4.4 | 4.3 | 4.5 | 87% |
| Farmers State Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Interstate Bank | Bank | 4.3 | 4.2 | 4.3 | 85% |
| Rocky Mountain Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Glacier Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Bank of Montana | Community Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Great Falls Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Great Falls’s area are Montana Credit Union, Russell Country Federal Credit Union and Embark Credit Union.
- Montana Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Great Falls branch service, clear personal-loan guidance and strong member follow-through, which supports its top scores across all three categories.
- Russell Country Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Embark Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Montana Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Russell Country Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Embark Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Family First Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bravera Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Stockman Bank | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| First Interstate Bank | Bank | 4.3 | 4.2 | 4.3 | 85% |
| Opportunity Bank of Montana | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Bozeman Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Bozeman’s area are Sky Federal Credit Union, Valley Credit Union and Rocky Mountain Credit Union.
- Ranks highest overall with a 95% Recommend score, the top Easy Application rating at 4.8, and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Reviews and member feedback point to competitive auto-loan terms, helpful local service, and a smooth borrowing process for Bozeman-area vehicle loans.
- Ranks second with a 94% Recommend score and the highest Support & Guidance rating among the top 3 tied at 4.8.
- Customer feedback supports the high score with positive comments around fast approvals, clear loan explanations, and helpful branch support.
- Ranks third with a 92% Recommend score and balanced ratings of 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Reviews and member feedback point to friendly service, useful loan guidance, and a practical local auto-loan experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sky Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 95% |
| Valley Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 94% |
| Rocky Mountain Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| Horizon Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| Intrepid Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Clearwater Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 87% |
| Bank of Bozeman | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| First Security Bank | Community Bank | 4.3 | 4.4 | 4.5 | 84% |
| Opportunity Bank of Montana | Community Bank | 4.2 | 4.3 | 4.4 | 82% |
| First Interstate Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
Butte Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Butte’s area are Southwest Montana Community Federal Credit Union, Clearwater Credit Union and Rocky Mountain Credit Union.
- Southwest Montana Community Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Butte branch service, clear personal-loan guidance and strong member follow-through, which supports its top scores across all three categories.
- Clearwater Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Rocky Mountain Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly service, useful loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Southwest Montana Community Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Clearwater Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Rocky Mountain Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Intrepid Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| First Citizens Bank of Butte | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Stockman Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Opportunity Bank of Montana | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Helena Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Helena’s area are Intrepid Credit Union, Rocky Mountain Credit Union and Valley Bank.
- Intrepid Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Helena branch service, clear personal-loan guidance and strong member follow-through, which supports its top scores across all three categories.
- Rocky Mountain Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Valley Bank ranks third with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight personal service, useful loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Intrepid Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Rocky Mountain Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Valley Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Opportunity Bank of Montana | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Stockman Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Ascent Bank | Community Bank | 4.4 | 4.3 | 4.5 | 87% |
| Farmers State Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Montana Bank | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bravera Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| First Interstate Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Kalispell Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Kalispell’s area are Whitefish Credit Union, Park Side Credit Union and Glacier Bank.
- Whitefish Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Flathead Valley branch service, clear personal-loan guidance and strong member follow-through, which supports its top scores across all three categories.
- Park Side Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Glacier Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Customer comments commonly highlight accessible local branches, practical loan help and dependable service, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Whitefish Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Park Side Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Glacier Bank | Bank | 4.5 | 4.5 | 4.6 | 91% |
| Stockman Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Three Rivers Bank of Montana | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| TrailWest Bank | Community Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Belgrade Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Belgrade’s area are Sky Federal Credit Union, Valley Credit Union and Rocky Mountain Credit Union.
- Sky Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful local service, clear borrowing guidance and practical personal-loan support, which supports its top scores across all three categories.
- Valley Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions smooth application help, responsive staff and straightforward borrowing explanations, which supports its high application and support scores.
- Rocky Mountain Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly service, useful loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sky Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Valley Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Rocky Mountain Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Intrepid Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bank of Bozeman | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Stockman Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Opportunity Bank of Montana | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Montana Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Montana’s area are Montana Credit Union, Whitefish Credit Union and Altana Federal Credit Union.
- Montana Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to online application access, flexible repayment terms, and helpful service during the borrowing process.
- Whitefish Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight online loan access, fixed-rate personal loan options, and clear help when applying.
- Altana Federal Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to flexible loan options, convenient digital access, and straightforward support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Montana Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Whitefish Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| Altana Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Rocky Mountain Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 93% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 92% |
| Southwest Montana Community Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| Mountain Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |