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Payday Loan Rules in South Dakota
Allowed only at low cap / classic payday largely uneconomic
| Maximum amount | Up to $500 |
|---|---|
| Loan term | Varies |
| Rate / fee rule | All-in finance charges ≤36% APR |
| Regulatory basis | S.D. Codified Laws §54-4-36 et seq. |
Key Rules
- Loans above cap are void/uncollectible under statute
Alternative Loan Options in South Dakota
- Credit-union PAL
- bank small-dollar loan
- licensed installment/personal loan
Regulatory reference: review the cited regulator or statute summary. State rules can change; confirm current terms before borrowing.
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