Personal loans in Akaska, SD
A single loan can carry different costs on either side of a state line, and Akaska sits on the South Dakota side of that line.
A personal loan in Akaska is priced from your credit file and income, not from the fact that the city holds 80 people. With 80 residents, Akaska outranks about 22% of the communities in South Dakota. From the 2020 Census base to the 2023 estimate, the population rose by about 6.7%. Price two or three terms so you can see which payment is truly affordable in Akaska. The next larger city is Selby, SD about 13 miles away.
Akaska: the sourced local profile
Akaska is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 80, 240th among South Dakota's 309 places (Vintage 2023).
- Population trend: Up about 6.7% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 5 more people than the 2020 Census counted.
- Size percentile: with 80 residents, Akaska is larger than about 22% of South Dakota's Census places.
- Population density: 131 people per square mile on 0.6 square miles of land.
- Land area: Akaska covers 0.6 square miles, the 159th-largest area among South Dakota's 309 places.
- Share of state population: Akaska's 80 residents are about 0.0% of South Dakota.
- National rank: Akaska sits 18,478th by population among the 19,457 places in this dataset.
- Growth rank: Akaska ranks 23rd among South Dakota's 309 places for the 2020-to-2023 change.
- State comparison: South Dakota's places average +0.9% for 2020-to-2023, against Akaska's 6.7%.
- Density in South Dakota: Akaska ranks 267th by people per square mile.
- Against the state median: Akaska runs about 131 residents per square mile, where the South Dakota median is 581.
- Location: 45.3310 / -100.1209, per the US Census Bureau Gazetteer.
- Nearest larger cities: Selby (13 mi); Glenham (16 mi); Java (17 mi); Hoven (18 mi); Mobridge (21 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Lowry (7 mi); Lebanon (25 mi); Tolstoy (26 mi).
- Smaller places within 50 miles: 9 of them.
- Within 100 miles: 64 places are larger than Akaska.
How South Dakota law applies in Akaska
When South Dakota does not publish a figure, the row links to the source instead of inventing a number; Akaska is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | South Dakota Division of Banking (Department of Labor and Regulation) Source says: "The Division of Banking is charged with the regulation and supervision of state chartered and licensed financial institutions." | South Dakota Division of Banking (Department of Labor and Regulation) as of 2026-09-16 |
| Small-loan / installment lender licensing | Money Lender license (SDCL ch. 54-4) required for anyone lending money or creating/holding/purchasing retail installment contracts; payday and title lenders are licensed as money lenders. Source says: "to be a Money Lender and subject to the licensing requirements of South Dakota Codified Laws (SDCL) Chapter 54-4"; "Payday and title lenders are also licensed as Money Lenders under SDCL Chapter 54-4." | South Dakota Division of Banking (Department of Labor and Regulation) as of 2026-09-16 |
| Initiated Measure 21 anti-evasion rule (state-specific rule) | Initiated Measure 21 (2016) also bars evasion by indirect means; applies to loans originated, refinanced, rolled over, renewed or flipped after November 15, 2016. Source says: "prohibits these money lenders from evading this rate limitation by indirect means... a loan made in violation of this measure is void" (Division of Banking guidance on Initiated Measure 21). | South Dakota Division of Banking (Department of Labor and Regulation) as of 2026-09-16 |
How a Akaska personal loan is priced
In Akaska, a small community of about 80, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Akaska lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Akaska loan is knowable in advance — unlike a revolving card balance.
Lender access in Akaska
With about 131 residents per square mile, Akaska is lightly settled, and 16 larger Census places sit within 50 miles. Lenders licensed in South Dakota reach Akaska's 80 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Selby, SD about 13 miles away.
Akaska against the rest of South Dakota
Among South Dakota's 309 places, Akaska sits at 240th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Akaska stands 23rd among South Dakota's 309 places — roughly the 93th percentile. Its roughly 131 residents per square mile place it 267th among South Dakota's places. By land area, its 0.6 square miles rank 159th of 309 places in South Dakota.
The geography behind Akaska
The Census Gazetteer records about 0.6 square miles of land within Akaska, with no significant water area listed. The resulting density is about 131 people per square mile. Sioux Falls, the largest place in South Dakota, is about 208 miles from Akaska. A 50-mile radius around Akaska takes in 16 places that are larger. The 100-mile radius contains 64 larger places.
Common questions
What are my options in Akaska if my credit is poor?
What loan size can I expect in Akaska?
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Nearby places
- Lowry, SD — population 5
- Selby, SD — population 607
- Glenham, SD — population 108
- Java, SD — population 121
- Hoven, SD — population 366
- Gettysburg, SD — population 1,072
- Mobridge, SD — population 3,224
- Mound City, SD — population 65