Payday Loans in Smithwick, South Dakota

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No payday loan companies in Smithwick, SD. Consider companies in other cities:

Company nameAddressZip codePhone number
Steele Financial Services LLC 20935 441st Ave, Lake Preston, SD 57249 +1 (605) 847 - 5002
Black Hills Cash Advance 729 N 12th St, Spearfish, SD 57783 +1 (605) 644 - 1848
PREMIER Bankcard 1000 18th St SW, Huron, SD 57350 +1 (605) 353 - 0740
First Fidelity Bank (Colome) 301 Main St, Colome, SD 57528 +1 (605) 842 - 0525
U.S. Bank Branch 103 S Main Ave, Hartford, SD 57033 +1 (605) 528 - 3233
Citizens State Bank-Sinai 310 Main Ave, Sinai, SD 57061 +1 (605) 826 - 4151
Dakotaland Federal Credit Union 301 S Ohlman St, Mitchell, SD 57301 +1 (605) 996 - 4431
Merchants State Bank 606 Center Ave, Hurley, SD 57036 +1 (605) 238 - 5255
Gunderson Leroy M CPA 808 10th St SW, Watertown, SD 57201 +1 (605) 882 - 2886
Edmunds County Abstract Co 119 Main St, Ipswich, SD 57451 +1 (605) 426 - 6041

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smithwick, SD, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Rapid City, SD and Payday Loans in Sioux Falls, SD. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Smithwick, SD.

Payday Loans Available in Smithwick, SD By The Following ZIP Codes:

57763, 57782

Are Payday Loans Legal In Smithwick, South Dakota?

Loan Rates and Fees, Laws and Regulations in South Dakota.

South Dakota Loan Regulations

Legal StatusLegal (restrictions apply)
Interest Rate (APR, %)36% small loan cap
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan TermNot Specified
Number of Rollovers Allowed4
Finance Charges$1.39 for a $100 loan given for 2 weeks

Smithwick, SD payday loan calculator

Payday Loans in Smithwick, South Dakota

Payday loans are a type of short-term loan that can help you cover unexpected expenses until your next payday. In South Dakota, payday loans are legal, but with regulations to ensure that borrowers are protected from predatory lending practices. If you’re considering a payday loan in Smithwick, South Dakota, here’s what you need to know.

How do payday loans work?

Payday loans are typically small-dollar loans that are due on your next payday. The amount you can borrow is typically based on your income and other factors, and you’ll usually have to provide proof of income and employment to qualify. The repayment terms will vary depending on the lender, but in most cases, you’ll have to repay the loan in full plus interest and fees on your next payday.

Interest rates on payday loans can be high, and fees and penalties can quickly add up if you’re not careful. It’s important to read your loan agreement carefully and understand all the terms and conditions before you sign.

What are the regulations for payday loans in South Dakota?

In South Dakota, payday lenders are regulated by the State Division of Banking. Lenders are required to be licensed and must follow certain rules and regulations to protect borrowers. For example, lenders cannot charge more than 36% annual interest on payday loans in South Dakota.

Additionally, South Dakota law requires lenders to provide full disclosure of all fees and charges associated with the loan, including the annual percentage rate (APR). The law also prohibits lenders from using unfair or deceptive practices to collect on a loan, such as threatening to take legal action or contacting your employer or family members.

How to apply for a payday loan in Smithwick, South Dakota

If you’re considering a payday loan in Smithwick, South Dakota, it’s important to do your research and find a reputable lender. You can start by checking the State Division of Banking website to ensure that the lender is licensed and in good standing.

You can also use a loan connector service like TheGuaranteedLoans to help you find a lender. Simply fill out an online application with your personal and financial information, and we’ll match you with lenders who may be able to offer you a loan. Keep in mind that TheGuaranteedLoans is not a direct lender, but a connector service that helps borrowers connect with potential lenders.

Interesting Facts and Statistics about Payday loans in Smithwick, South Dakota

  • Residents of South Dakota take out an average of 10,000 payday loans per year.
  • The average payday loan in South Dakota is $375.
  • The maximum loan term for payday loans in South Dakota is 30 days.
  • In South Dakota, the maximum interest rate that can be charged on a payday loan is 36% APR.

Apply Now

If you’re considering a payday loan in Smithwick, South Dakota, TheGuaranteedLoans can help you connect with potential lenders. Simply fill out our online application with your personal and financial information, and we’ll match you with lenders who may be able to offer you a loan. Remember, payday loans can be a helpful tool to cover unexpected expenses, but it’s important to borrow responsibly and understand all the terms and conditions of your loan.

F.A.Q.

Can I get a payday loan if I have bad credit in Smithwick, South Dakota?

Yes, borrowers with bad credit can obtain a payday loan in Smithwick, South Dakota. However, they may be charged a higher interest rate and fees compared to borrowers with good credit.

How do I repay my payday loan in Smithwick, South Dakota?

Borrowers can typically repay their payday loan in Smithwick, South Dakota by providing the lender with a post-dated check or authorizing an automatic withdrawal from their checking account on their next payday.

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