Loans in Haakon County, SD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Haakon County, SD.
The median household in Haakon County earns $65,625 a year, 13% below the South Dakota median of $75,081. About 8% of residents live below the federal poverty line, and 20.8% of households rent their home. 15.4% of households have no home internet; our form works on any phone.
What you need for a personal loan in Haakon County
Lenders that serve Haakon 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 Haakon County
What Haakon County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Haakon 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 Haakon County
Banks with branches in Haakon County
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank in Philip | 1 | 103 E Oak Street, Philip 57567 |
| First National Bank | 1 | 501 Main St, Midland 57552 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Haakon County. The nearest counties with credit unions:
Credit unions in Meade County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Black Hills | 1020 Lazelle St., Sturgis 57785 |
| Northern Hills | 1080 Main St, Sturgis 57785 |
| Sentinel | 2723 Lemay Blvd, Ellsworth Afb 57706 |
| Dakota Plains | 107 Main St, Faith 57626 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Pennington County
23 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Black Hills | 200 E Main St, Rapid City 57701 |
| Highmark | 725 5Th St, Rapid City 57701 |
| Sentinel | 4011 Triple Crown Dr, Rapid City 57701 |
| Aspen | 4956 5Th St, Rapid City 57701 |
| Interfaith | 815 Columbus St, Rapid City 57701 |
| Dakota Star | 3122 W Saint Louis St, Rapid City 57702 |
| Rushmore Electric | 1805 Cambell St, Rapid City 57701 |
| Minuteman | 301 E North St, Rapid City 57701 |
| Dacotah | 2990 E Highway 44, Rapid City 57703 |
Source: NCUA credit union branch data, June 30, 2026.
All South Dakota counties and cities
Frequently asked questions
Are payday loans legal in Haakon County?
Haakon 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 Haakon County?
Title loans are effectively prohibited by the same 36% cap.
Where can I get a small loan in Haakon County?
Options include 2 bank 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 Haakon County?
Fill out our short online form from anywhere in Haakon 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 Haakon 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. Haakon County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Haakon County?
Yes. You don't need to visit a branch or storefront anywhere in Haakon 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 Haakon County with bad credit?
Yes, many lenders in our network work with Haakon 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 Haakon County, SD?
You can apply at banks, credit unions and lenders in Haakon 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.