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South Dakota (SD) lender directory

Installment Loans in South Dakota

Looking for a lender near you in South Dakota? Pick your city below. We list 3 stores in 3 South Dakota cities, built from lenders' own store pages. Data last checked October 9, 2026.

Payday loans in South Dakota: rates capped at 36% →

Lenders by city

Lending rules in South Dakota

General rules

  • Anyone engaged in the business of lending money, including creating, holding, purchasing, or acquiring retail installment contracts, is subject to the licensing requirements of SDCL Chapter 54-4. Source: SDCL Chapter 54-4 · verified Oct 9, 2026
  • Each money lender location must be separately licensed under SDCL Chapter 54-4. All licenses expire on December 31 of each year. Source: SDCL Chapter 54-4 · verified Oct 9, 2026

Payday loans (deferred presentment)

  • Initiated Measure 21 prohibits all state-licensed money lenders from making a loan with total interest, fees, and charges at an annual percentage rate greater than 36%. This applies to all loans originated, refinanced, rolled over, renewed, or flipped after November 15, 2016. Source: Initiated Measure 21 (2016) · verified Oct 9, 2026

Lenders in South Dakota are licensed by the South Dakota Division of Banking. See also online lenders and apps in South Dakota.

Questions people ask

Are payday loans legal in South Dakota?

We list no payday loan stores in South Dakota. Initiated Measure 21 prohibits all state-licensed money lenders from making a loan with total interest, fees, and charges at an annual percentage rate greater than 36%. This applies to all loans originated, refinanced, rolled over, renewed, or flipped after November 15, 2016 (Initiated Measure 21 (2016)).

How many installment lenders are in South Dakota?

We list 3 installment lenders in South Dakota, in 3 cities.

Which South Dakota cities have the most lenders?

Rapid City (1), Sioux Falls (1) and Watertown (1).

How much can lenders charge in South Dakota?

Initiated Measure 21 prohibits all state-licensed money lenders from making a loan with total interest, fees, and charges at an annual percentage rate greater than 36%. This applies to all loans originated, refinanced, rolled over, renewed, or flipped after November 15, 2016 (Initiated Measure 21 (2016)). More limits are listed under the state rules on this page.

How do I check a lender's license in South Dakota?

Lenders in South Dakota are licensed by the South Dakota Division of Banking. Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. OneMain Financial branches (SD) · 3 locations Last verified Oct 11, 2026
  2. SDCL Chapter 54-4 · General rules Last verified Oct 9, 2026 · high confidence
  3. Initiated Measure 21 (2016) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.