Loans in Codington County, SD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Codington County, SD.
The median household in Codington County earns $72,727 a year, about the same as the South Dakota median of $75,081. About 9% of residents live below the federal poverty line, and 30.2% of households rent their home. 10.2% of households have no home internet; our form works on any phone.
What you need for a personal loan in Codington County
Lenders that serve Codington 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 Codington County
What Codington County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Codington 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 Codington County
Banks with branches in Codington County
14 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First PREMIER Bank | 3 | 24 5th St Se, Watertown 57201 |
| First Interstate Bank | 2 | 624 5th St Se, Watertown 57201 |
| Reliabank Dakota | 2 | 1401 4th St Ne, Watertown 57201 |
| Plains Commerce Bank | 1 | 109 1st Ave Se, Watertown 57201 |
| Dacotah Bank | 1 | 1310 9th Ave Se, Watertown 57201 |
| Wells Fargo Bank, National Association | 1 | 1225 9th Ave Se, Watertown 57201 |
| Minnwest Bank | 1 | 224 Main Street, Florence 57235 |
| First Bank & Trust | 1 | 1120 9th Ave Se, Watertown 57201 |
| American Bank & Trust | 1 | 1715 1st Ave Ne, Watertown 57201 |
| Cornerstone Bank | 1 | 104 1st Ave Nw, Watertown 57201 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Codington County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Dakotaland | 1101 9Th Ave Se, Watertown 57201 |
| Area | 113 1St Ave Nw, Watertown 57201 |
| Sioux Valley Coop | 712 9Th Ave Se, Watertown 57201 |
| Avanti | 1620 4Th St Ne, Watertown 57201 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Codington County
All South Dakota counties and cities
Frequently asked questions
Are payday loans legal in Codington County?
Codington 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 Codington County?
Title loans are effectively prohibited by the same 36% cap.
Where can I get a small loan in Codington County?
Options include 14 bank and 4 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 Codington County?
Fill out our short online form from anywhere in Codington 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 apply for a loan online in Codington County?
Yes. You don't need to visit a branch or storefront anywhere in Codington County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve South Dakota. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Codington 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. Codington County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Codington County, SD?
You can apply at banks, credit unions and lenders in Codington 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 an emergency loan in Codington County?
Yes. When an unexpected bill comes up, Codington 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.