Loans in Union County, SD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, SD.
The median household in Union County earns $89,636 a year, 19% above the South Dakota median of $75,081. About 6% of residents live below the federal poverty line, and 26.9% of households rent their home.
What you need for a personal loan in Union County
Here's what to have on hand before you start your personal loan request in Union County:
- 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 Union County
What Union County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
12 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Liberty National Bank | 4 | 112 E Main St, Elk Point 57025 |
| Premier Bank | 1 | 190 Iowa St, Alcester 57001 |
| 1st Financial Bank USA | 1 | 331 Dakota Dunes Blvd, Dakota Dunes 57049 |
| First Savings Bank | 1 | 201 N 3rd St, Beresford 57004 |
| Security National Bank of South Dakota | 1 | 325 Dakota Dunes Blvd, Dakota Dunes 57049 |
| First Dakota National Bank | 1 | 117 W Main St, Elk Point 57025 |
| Central Bank | 1 | 400 Gold Cir, Dakota Dunes 57049 |
| Pioneer Bank | 1 | 211 Sioux Point Rd, Dakota Dunes 57049 |
| Peoples Bank | 1 | 100 S Sodrac Dr, North Sioux City 57049 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Siouxland | 327 Dakota Dunes Blvd, Dakota Dunes 57049 |
Source: NCUA credit union branch data, June 30, 2026.
All South Dakota counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union 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 Union County?
Title loans are effectively prohibited by the same 36% cap.
Where can I get a small loan in Union County?
Options include 12 bank and 1 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 Union County?
Fill out our short online form from anywhere in Union 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 Union 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. Union County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Union County?
Yes. When an unexpected bill comes up, Union 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 Union County with bad credit?
Yes, many lenders in our network work with Union 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 Union County, SD?
You can apply at banks, credit unions and lenders in Union 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.