Loans in Davison County, SD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Davison County, SD.
The median household in Davison County earns $66,208 a year, 12% below the South Dakota median of $75,081. About 11% of residents live below the federal poverty line, and 38.5% of households rent their home. 11.1% of households have no home internet; our form works on any phone.
What you need for a personal loan in Davison County
Lenders that serve Davison 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 Davison County
What Davison County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Davison 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 Davison County
Banks with branches in Davison County
12 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| CorTrust Bank National Association | 3 | 100 E Havens Ave, Mitchell 57301 |
| First Dakota National Bank | 2 | 500 E Norway Ave, Mitchell 57301 |
| BankWest, Inc. | 2 | 1200 E Spruce St, Mitchell 57301 |
| First National Bank of Omaha | 1 | 210 N Lawler St, Mitchell 57301 |
| Wells Fargo Bank, National Association | 1 | 403 N Lawler St, Mitchell 57301 |
| Farmers State Bank | 1 | 115 E Havens Ave, Mitchell 57301 |
| First Interstate Bank | 1 | 714 S Burr St, Mitchell 57301 |
| Plains Commerce Bank | 1 | 900 S Burr Street, Mitchell 57301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Davison County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Dakotaland | 301 S Ohlman St, Mitchell 57301 |
| Palace City | 720 W Havens Ave, Mitchell 57301 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Davison County
All South Dakota counties and cities
Frequently asked questions
Are payday loans legal in Davison County?
Davison 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 Davison County?
Title loans are effectively prohibited by the same 36% cap.
Where can I get a small loan in Davison County?
Options include 12 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 Davison County?
Fill out our short online form from anywhere in Davison 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 a loan in Davison County with bad credit?
Yes, many lenders in our network work with Davison 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.
Can I apply for a loan online in Davison County?
Yes. You don't need to visit a branch or storefront anywhere in Davison 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 an emergency loan in Davison County?
Yes. When an unexpected bill comes up, Davison 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.
Where can I get a loan in Davison County, SD?
You can apply at banks, credit unions and lenders in Davison 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.