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Current Payday Lenders in South Dakota – Terms, Rates, Legislation

The list of payday lenders in South Dakota

  1. Open Cash Advance

    • Website:
    • Address: 30 N GOULD ST, STE R, Sheridan, WY 82801
    • Service: Online
    • State: Almost all US states
  2. RISE Credit

    • Website:
    • Address: P.O. Box 679900 Dallas, TX 75267-9900
    • Service: Online
    • State: Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, Ohio, South Carolina, South Dakota, Texas, Utah, Wisconsin
  3. MaybeLoan

    • Website:
    • Address: Unknown
    • Service: Online
    • States: Almost all US states
  4. MoneyLion

    • Website:
    • Address: 30 West 21st Street Ninth Floor New York, NY 10010 USA
    • Service: Online
    • State: Almost all US states

    • Website:
    • Address: Unknown
    • Service: Online
    • States: Alabama, Alaska, Delaware, Florida, Idaho, Missouri, Nevada, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Wisconsin, Wyoming, California, Colorado, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Mississippi, Montana, New Hampshire, Ohio, Oklahoma, Texas, Virginia, Washington
  6. Snappy Payday Loans

    • Website:
    • Address: 398 Dania Beach Blvd #468, Dania Beach, FL 33004
    • Service: Online
    • States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, South Dakota, Wyoming
  7. Cashland

    • Website:
    • Address: Unknown
    • Service: Online
    • States: Almost all US states
  8. Speedy Cash

    • Website:
    • Address: P.O. Box #780408 Wichita, KS 67278
    • Service: Online/Offline
    • State: Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  9. Cash Central

    • Website:
    • Address: 5165 Emerald Parkway, Suite 100, Dublin, OH 43017
    • Service: Online
    • State: Alabama, California, Delaware, Florida, Idaho, Kansas, Minnesota, Mississippi, Missouri, Nevada, North Dakota, South Carolina, South Dakota, Tennessee, Utah, Washington, Wisconsin, Wyoming

Are payday loans legal in South Dakota?

South Dakota allows payday lending in the state but there are several restrictions. This state has limited a payday loan to $500. The min and max loan terms are not defined. The APR is limited to 36%. As a result, direct lenders cannot impose higher rates for their financial products. 4 rollovers are allowed. Criminal actions are banned.

Currently, payday lending is officially legalized in the SD, however, the number of stores issuing cash advance has considerably gone down since the cap was come into force.


  • Legal Status: Legal with restrictions
  • Interest Rate (APR): 36% small loan cap
  • Minimum Amount: Not Specified
  • Maximum Amount: $500
  • Minimum Term: Not Specified
  • Maximum Term: Not Specified
  • Number of Rollovers: 4
  • Finance Charges: $1.39 for a $100 loan issued for 2 weeks
  • Statute of Limitations: 6 years (from the last payment)
  • Database Loan Tracking: No

Am I eligible for a payday loan in South Dakota?

There are some requirements you need to meet, inclusively of:

  • Be at least 18 years old;
  • Be a permanent resident of South Dakota;
  • Proof of stable income (if required);
  • Be employed for at least one year;
  • Have a working email address and phone number;
  • Have a valid bank account with no recent history of bankruptcy.

Payday loan amounts in South Dakota

Payday loans in South Dakota cannot be over $500. The loan may be renewed 4 times. But you should cover all fees before the contract renewal.

Maximum term for a payday loan in South Dakota

The min South Dakota payday loan term is equal to 13 days but there isn’t the max term. 4 roll-overs are allowed for a loan.

Rates, fees and other charges in South Dakota

The lender is not allowed to set an annual rate of 36%. A violation of this limit is a Class 1 misdemeanor. Any loan taken out in violation of this section is void and uncollectible as to any principal, fee, interest, or charge.. Finance charges should not be over $1.39 for a $100 loan taken out for 2 weeks.

What is the statute of limitations on a payday loan in South Dakota?

It takes several years for collectors to withdraw a debt. It’s known as the statute of limitations. It usually starts when you fail to pay a debt. In South Dakota, the statute of limitations is 6 years. If a debt collector tries to collect not repaid debt that is older than what is permitted, you may be capable to file a suit.

Debt collectors are not allowed:

  • scare a debtor with bodily harm;
  • try to withdraw a debt from a relative or friend;
  • lie to you about the amount you possess;
  • claim you will be arrested or filed a court if they have no intent to do so;
  • attempt to collect interest or keep back money from your wages;
  • deposit a post-dated check early.

Consumer info

In accordance with set regulations to the changes by the Consumer Financial Protection Bureau, lenders are not obligated to check out whether a client is capable to pay cash advance off. Think properly before you make up your mind to issue a payday loan, and manage your money spending reasonably to avoid debt trap.

Payday loans in South Dakota by city

  1. Aberdeen
  2. Batesland
  3. Black Hawk
  4. Blunt
  5. Brookings
  6. Corsica
  7. Delmont
  8. Gregory
  9. Huron
  10. Kadoka
  11. Kennebec
  12. Madison
  13. Mission
  14. Mitchell
  15. Mobridge
  16. Oacoma
  17. Onida
  18. Parkston
  19. Pierre
  20. Rapid City
  21. Sioux Falls
  22. Spearfish
  23. Sturgis
  24. Tea
  25. Wanblee
  26. Watertown
  27. Winner
  28. Yankton