Personal Loan Rates in Billings
Compare unsecured personal loan rates from credit unions serving Billings, Montana. Today's best rate: 2.00% APR. Ranked by true cost with zero affiliate bias.
Billings personal loan rates range from 2.00% to 18.00% APR. Data from 24 credit unions serving Montana, updated August 2026.
Source: RateAPI.dev
Top Credit Unions for Billings Personal Loans
Ranked by lowest APR. Based on a $15,000 loan over 48 months.
| Credit Union | Rate | APR | Est. Payment | |
|---|---|---|---|---|
Park Side Financial Credit Union Share/Certificate Secured | 2% | 2% | $325/mo | Visit Site |
Northwestern Energy Employees Credit Union Share-Secured Loan | 2.1% | 2.1% | $326/mo | Visit Site |
Montana Educators' Credit Union Share & Money Market Secure Loan | 3% | 3% | $332/mo | Visit Site |
Billings Credit Union Share-Secured Loan | 4% | 4% | $339/mo | Visit Site |
Bitterroot Community Credit Union Share-Secured Loan | 4% | 4% | $339/mo | Visit Site |
How to Get the Best Personal Loan Rate in Billings
A personal loan is an unsecured, fixed-rate installment loan — no collateral required. Credit unions serving Billings often price them below banks and online lenders. Here's how to qualify for the best rate:
Check Your Credit Score
Scores above 720 typically qualify for the lowest unsecured APRs in Billings. Many credit unions still approve scores in the 600s at higher rates.
Join a Local Credit Union
Many credit unions serving Billings have flexible membership — often open to anyone who lives or works in Montana.
Compare APR, Not Just Rate
Origination fees push the APR above the quoted rate. Even 1% of APR can save you real money over a 48-month term.
Consider a Shorter Term
A shorter term usually carries a lower rate and far less total interest, at the cost of a higher monthly payment.
Credit Unions Based in Billings
4 credit unions are headquartered in Billings. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area.
Frequently Asked Questions
Common questions about personal loan rates in Billings
As of August 2026, personal loan rates for credit unions serving Billings, Montana range from 2.00% to 18.00% APR, with a median of 9.95% APR. Because personal loans are unsecured, the rate you get depends heavily on your credit profile.
Credit unions serving Billings typically offer unsecured personal loans from around $500 up to $25,000-$50,000, repaid over 12-60 months. The amount and term you qualify for depend on your income and credit profile.
Yes. Credit unions serving Billings, Montana usually offer lower personal loan APRs than banks or online lenders. As member-owned non-profits, they pass savings back to members through better rates and fewer fees.
For the lowest personal loan APRs in Billings, aim for a credit score of 720 or higher. Many credit unions still approve scores in the 600s, but higher scores unlock the best unsecured rates.
Compare APRs across multiple credit unions rather than a single lender. The offers above rank Montana credit unions by lowest APR, and joining a credit union is usually as simple as opening a small savings account.
Personal Loan Rates in Other Montana Cities
Personal Loan Rates by State
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