South Dakota Loan Comparison

Find and compare loans available to residents of South Dakota. Select a loan category below to see lender options, rates, and state-specific consumer protections.

South Dakota Lending Overview

Personal Loan APR cap

36%

Median Home Price

$296,000

Median Household Income

$69,000

Avg Student Debt

$31,171

State Regulator

South Dakota Division of Banking

Notable law: South Dakota voters approved Initiated Measure 21 in 2016 with 76% of the vote, imposing a 36% APR cap on all consumer loans and ending a payday lending industry that had operated without rate limits.

Loan Categories in South Dakota

Personal Loans

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses.

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Mortgage

Home purchase loans, refinancing, and home equity products from top mortgage lenders.

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Auto Loans

New and used auto purchase loans plus auto refinancing options from national and regional lenders.

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Student Loans

Private student loans and refinancing options to fund undergraduate, graduate, and professional programs.

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Business Loans

Term loans, SBA-backed loans, lines of credit, and equipment financing for small and medium businesses.

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South Dakota Lending Regulator

Consumer lenders in South Dakota are overseen by the South Dakota Division of Banking. File complaints or verify lender licenses directly with this agency.

South Dakota voters approved Initiated Measure 21 in 2016 with 76% of the vote, imposing a 36% APR cap on all consumer loans and ending a payday lending industry that had operated without rate limits.