Personal loans in Broadland, SD

Broadland is a small community of about 27 residents, and a personal loan taken out here is governed by South Dakota statute. The Census estimates 27 residents in Broadland, which ranks it 290th of 309 places in South Dakota.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The closest larger place is Wolsey, SD about 9 miles away. Broadland's population was effectively unchanged from the 2020 count to the 2023 estimate. Consumer lending that reaches Broadland's 27 residents is governed by South Dakota statute; no city ordinance changes it. Decide the purpose of the loan and your repayment plan before sharing any details with a Broadland lender.

The Broadland data picture

Read the local figures below as context; read the sourced South Dakota table as the rulebook a lender here must follow.

Getting a loan in Broadland

At roughly 27 people per square mile, Broadland is sparsely settled; 38 larger places lie within 50 miles. A South Dakota licence lets a lender serve Broadland without a local office, so branch density does not change what its 27 residents are offered. The nearest bigger place is Wolsey, SD about 9 miles away.

Broadland against the rest of South Dakota

Among South Dakota's 309 places, Broadland sits at 290th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Broadland stands 154th among South Dakota's 309 places — roughly the 50th percentile. Its roughly 27 residents per square mile place it 301st among South Dakota's places. Between 2020 and 2023 the count changed by roughly 0 residents.

Which South Dakota laws govern a loan in Broadland

This table holds the South Dakota rate and licensing rules for consumer loans made to Broadland's 27 residents.

RuleDetailSource
State lending regulatorSouth 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 statusLegal 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

The anatomy of a Broadland personal loan

A Broadland personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 27 residents. The APR tracks your credit score rather than Broadland's rank of 290th in South Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Broadland decides the split between a comfortable payment and the total interest you pay.

Broadland: area, density and distance

Broadland covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 27 residents per square mile. For the state's biggest city, Sioux Falls, the distance is roughly 104 miles. A 50-mile radius around Broadland takes in 38 places that are larger. By land area it ranks 101st of 309 South Dakota places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Broadland if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Broadland is the same as anywhere in South Dakota.
What loan size can I expect in Broadland?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Broadland?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Broadland cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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