MT · LOAN-AGMT · Updated July 2026 · Free
Montana Loan Agreement
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Montana at a glance: Usury Cap: 6% above prime rate · Governing Law: Montana Code Title 31
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Overview
Loan Agreements in Montana
Montana caps interest rates on written contracts at 6 percentage points above the prime rate published by the Federal Reserve (Mont. Code § 31-1-107).
Key Facts
Montana Loan Agreement — Quick Reference
| Requirement | Montana Rule |
|---|---|
| Usury Cap | 6% above prime rate |
| Governing Law | Montana Code Title 31 |
Legal Requirements
Montana Legal Requirements
- Interest rates must adhere to the floating usury limit based on Federal Reserve prime rate adjustments.
Governing Laws
Montana Governing Laws
Read the full text of these laws at Cornell Law School's Montana legal resources or your state legislature's official website.
Questions & Answers
Montana Loan Agreement — Frequently Asked Questions
What is the default contract interest rate in Montana?
The default rate is 10% per year.