Loans in Brookings County, SD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Brookings County, SD.
The median household in Brookings County earns $70,064 a year, 7% below the South Dakota median of $75,081. About 13% of residents live below the federal poverty line, and 42.8% of households rent their home.
What you need for a personal loan in Brookings County
Lenders that serve Brookings County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Brookings County
What Brookings County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Brookings County
Payday Loans Not available
Payday loans are effectively prohibited in South Dakota by the 36% rate cap adopted by voters in Initiated Measure 21 (effective November 16, 2016).
Personal Loans
36% APR cap, all fees included, for every licensed money lender.
Title Loans Not available
Title loans are effectively prohibited by the same 36% cap.
Banks and credit unions in Brookings County
Banks with branches in Brookings County
14 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Bank & Trust | 5 | 520 6th St, Brookings 57006 |
| BankStar Financial | 3 | 124 Elk St, Elkton 57026 |
| Citizens State Bank, of Arlington | 1 | 310 Main Ave, Sinai 57061 |
| Richland State Bank | 1 | 602 1st St, Bruce 57220 |
| Dacotah Bank | 1 | 1441 6th St, Brookings 57006 |
| Central Bank | 1 | 600 Main Ave, Brookings 57006 |
| Wells Fargo Bank, National Association | 1 | 527 Main Ave, Brookings 57006 |
| First Interstate Bank | 1 | 1302 6th St, Brookings 57006 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Brookings County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Dakotaland | 2423 6Th St, Brookings 57006 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Brookings County
All South Dakota counties and cities
Frequently asked questions
Are payday loans legal in Brookings County?
Brookings County follows South Dakota law. Payday loans are effectively prohibited in South Dakota by the 36% rate cap adopted by voters in Initiated Measure 21 (effective November 16, 2016).
Are title loans legal in Brookings County?
Title loans are effectively prohibited by the same 36% cap.
Where can I get a small loan in Brookings County?
Options include 14 bank and 2 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Brookings County?
Fill out our short online form from anywhere in Brookings County. We share it with lenders in our network that serve South Dakota; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Brookings County?
Yes. When an unexpected bill comes up, Brookings County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Brookings County with bad credit?
Yes, many lenders in our network work with Brookings County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Brookings County, SD?
You can apply at banks, credit unions and lenders in Brookings County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve South Dakota residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Brookings County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Brookings County residents can start any time, and it takes about 3 minutes.