Personal loans in Bradley, SD
With 65 residents, Bradley outranks about 17% of the communities in South Dakota. Personal loans in Bradley are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 65 population.
Census figures put the 2020-to-2023 increase in Bradley at about 3.2%. Use the calculator on this page to price an amount and term before you commit in Bradley. Rate ceilings, licensing requirements and product limits for Bradley are all set at the South Dakota level. The next larger city is Wallace, SD about 8 miles away.
Local context for Bradley
Bradley is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 65, ranked 255th of 309 places in South Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 3.2% from 2020 to 2023.
- Net change: roughly 2 more people than the 2020 Census counted.
- Size percentile: roughly 17% of South Dakota's places have fewer residents than Bradley's 65.
- Population density: about 265 people per square mile (Census land area 0.2 sq mi).
- Land area rank: Bradley's 0.2 square miles rank 271st of 309 places in South Dakota.
- Within South Dakota: about 0.0% of the state's population lives in Bradley.
- National standing: Bradley ranks 18,734th of 19,457 US places.
- Growth rank: Bradley's 2020-to-2023 change ranks 51st of 309 places in South Dakota.
- Versus South Dakota: the state average change is +0.9%, while Bradley moved 3.2%.
- Density in South Dakota: Bradley ranks 221st by people per square mile.
- Density in context: Bradley's 265 people per square mile sit against a South Dakota median of 581.
- Location: 45.0904, -97.6419 (Census Gazetteer coordinates).
- Nearest larger cities: Wallace (8 mi); Clark (15 mi); Florence (16 mi); Henry (17 mi); Webster (18 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Garden City (10 mi); Butler (12 mi); Raymond (19 mi).
- Within a 50-mile radius: 16 smaller Census places.
- At 100 miles: 179 larger Census places fall inside that radius.
Getting a loan in Bradley
Bradley is a lightly settled community of about 65 people, with 50 larger places inside a 50-mile radius. Whether Bradley has a local branch or not, a South Dakota-licensed lender can serve its 65 people online on the same terms. For a larger market, the closest option is Wallace, SD about 8 miles away.
The state rulebook for Bradley
For the roughly 65 residents of Bradley, the rules below are South Dakota's own; each row carries its publisher and retrieval date.
| 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 |
| Maximum legal interest rate (usury cap) | No general maximum/usury restriction when the rate is set by written agreement; specific caps elsewhere in the code apply (e.g., 36% for licensed money lenders). Source says: "no maximum interest rate or charge, or usury rate restriction... if they establish the interest rate or charge by written agreement" (SDCL 54-3-1.1). | South Dakota Legislature (South Dakota Codified Laws) as of 2026-09-16 |
| Payday lending status | Legal for licensed money lenders (including payday and title lenders) but capped at 36% APR including all fees and charges; violations are a Class 1 misdemeanor and loans are void. Source says: "no licensee may contract for or receive finance charges pursuant to a loan in excess of an annual rate of thirty-six percent" (SDCL 54-4-44); "A violation of this section is a Class 1 misdemeanor. Any loan made in violation of this section is void and uncollectible" (54-4-44). | South Dakota Legislature (South Dakota Codified Laws) as of 2026-09-16 |
Where Bradley sits
Inside Bradley's boundaries lie about 0.2 square miles of land, with no significant water area recorded. Spread across it are roughly 265 residents per square mile. Sioux Falls, the largest place in South Dakota, is about 116 miles from Bradley. A 50-mile radius around Bradley takes in 50 places that are larger. By land area it ranks 271st of 309 South Dakota places.
The anatomy of a Bradley personal loan
Bradley is a small community of about 65 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Bradley's 65 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Bradley loan is knowable in advance — unlike a revolving card balance.
How Bradley compares across South Dakota
Set beside South Dakota's 309 places, Bradley ranks 255th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 51st of 309 South Dakota places, putting it near the 83th percentile for growth. Its roughly 265 residents per square mile place it 221st among South Dakota's places. By land area, its 0.2 square miles rank 271st of 309 places in South Dakota.
Common questions
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Nearby places
- Garden City, SD — population 36
- Wallace, SD — population 94
- Butler, SD — population 6
- Clark, SD — population 1,159
- Bristol, SD — population 282
- Webster, SD — population 1,687
- Henry, SD — population 263
- Florence, SD — population 334