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South Dakota

Rates and Terms for South Dakota

Loan Amounts: The maximum loan amount for South Dakota Residents is $500.00

Based on your income and other factors, loan limits will be determined on an individual basis.

Term of Loan: Minimum 8 Days – Maximum 31 Days
Permitted Fees: The cost of a loan is up to $22.50 per $100.00 borrowed.

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.

Loan Refinancing: If you cannot repay your loan on the due date you may refinance your loan until your next payday. If you qualify, we may renew your small loan up to four (4) times if you meet our lending criteria on the date of refinancing, and you pay the outstanding fee at the time of the refinancing.

Upon the first renewal, and each subsequent renewal, South Dakota regulation, requires that we reduce the principal amount of the loan by at least ten percent of the original amount of the loan.

You may request these changes by logging into your online account and or by calling a customer service representative. Renewal requests must be received by 7:00 PM Mountain Time on the business day before your loan is due.

Additional Information

Your Right to Rescind (cancel) this loan – A borrower may rescind a payday loan agreement without cost for any reason, not later than 5:00 p.m. MT on the close of business day following the disbursement date.

Example APR and Fee Schedule:

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table below shows the Annual Percentage Rate (“APR”) and Finance Charge for various loan amounts ranging from 14 to 31 days in length.

Amount Fees Charged Amount Due Days APR% Days APR%
$100.00 $22.50 $122.50 14 586.61% 31 264.92%
$150.00 $33.75 $183.75 14 586.61% 31 264.92%
$200.00 $45.00 $245.00 14 586.61% 31 264.92%
$250.00 $56.25 $306.25 14 586.61% 31 264.92%
$300.00 $67.50 $367.50 14 586.61% 31 264.92%
$350.00 $78.75 $428.75 14 586.61% 31 264.92%
$400.00 $90.00 $490.00 14 586.61% 31 264.92%
$450.00 $101.25 $551.25 14 586.61% 31 264.92%
$500.00 $112.50 $612.50 14 586.61% 31 264.92%

Fee Amount: Up to $22.50 per $100.00 borrowed.

Please see your loan agreement for the APR and other terms applicable to your loan.

Loan License and Registration:

We are licensed and regulated by South Dakota Division of Banking
Address: 1601 N. Harrison Ave., Suite 1, Pierre, SD 57501
Phone: (605) 773-3421 Fax: (605) 773-5367

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