South Dakota Online Loan Rates and Fees

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Rates and Fees

South Dakota Small Loans

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 7 to 21 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: 217 1/2 West Missouri Avenue Pierre SD 57501
Phone: (605) 773-3421 Fax: (605) 773-5367

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

This is an invitation to send a loan application, not an offer to make a short term loan.

This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

*Loan proceeds issued through our website are generally deposited via EFT for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.