Personal loans in Dolton, SD
Personal loans in Dolton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 36 population. Dolton is one of 309 Census places in South Dakota; its 36 residents put it at 286th.
The trend for Dolton between 2020 and 2023 is upward by roughly 2.9%. Decide the purpose of the loan and your repayment plan before sharing any details with a Dolton lender. The nearest larger metro is Bridgewater, SD about 7 miles away. A lender that serves Dolton operates under South Dakota lending statutes and a South Dakota supervisor.
The Dolton data picture
Dolton is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 36 residents, 286th of 309 places in South Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 2.9% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
- Size percentile: with 36 residents, Dolton is larger than about 7% of South Dakota's Census places.
- Land and density: 0.3 square miles of land carry roughly 141 residents per square mile.
- Land area rank: Dolton's 0.3 square miles rank 258th of 309 places in South Dakota.
- State share: roughly 0.0% of South Dakota's residents live in Dolton (36 people).
- National rank: Dolton sits 19,162nd by population among the 19,457 places in this dataset.
- Growth in South Dakota: Dolton stands 58th by percentage change from 2020 to 2023, among 309 places.
- Versus South Dakota: the state average change is +0.9%, while Dolton moved 2.9%.
- Density in South Dakota: Dolton ranks 264th by people per square mile.
- Against the state median: Dolton runs about 141 residents per square mile, where the South Dakota median is 581.
- Location: 43.4911, -97.3848 (US Census Bureau Gazetteer).
- Nearest larger cities: Bridgewater (7 mi); Marion (8 mi); Monroe (8 mi); Canistota (9 mi); Freeman (10 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Farmer (22 mi); Vilas (37 mi); Obert (58 mi).
- Smaller neighbours: 2 places smaller than Dolton sit within 50 miles.
- Larger places within 100 miles: 297.
Dolton: area, density and distance
Inside Dolton's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 141 people per square mile. For the state's biggest city, Sioux Falls, the distance is roughly 33 miles. A 50-mile radius around Dolton takes in 73 places that are larger. The 100-mile radius contains 297 larger places.
What is available to Dolton borrowers
At roughly 141 people per square mile, Dolton is lightly settled; 73 larger places lie within 50 miles. Whether Dolton has a local branch or not, a South Dakota-licensed lender can serve its 36 people online on the same terms. The nearest larger city, Bridgewater, SD about 7 miles away.
What to do before borrowing in Dolton
Complete these steps first when you borrow in Dolton (36 residents):
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's South Dakota licence with the regulator listed on this page.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
The process is identical across South Dakota; what changes is your credit file, not the fact that Dolton holds 36 people.
Dolton against the rest of South Dakota
Within South Dakota, Dolton holds roughly 0.0% of all residents, the 286th-largest share among 309 places. For population change between 2020 and 2023, Dolton ranks 58th of 309 in South Dakota (about the 81th percentile). At about 141 people per square mile, Dolton is the 264th most densely settled place in South Dakota. In land area, Dolton ranks 258th among South Dakota's 309 places.
South Dakota rules behind a Dolton personal loan
These are South Dakota's sourced lending facts as they reach Dolton's 36 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
Common questions
What are my options in Dolton if my credit is poor?
What loan size can I expect in Dolton?
Do I have to pledge anything to borrow in Dolton?
Does comparing loans in Dolton cost me credit score points?
Nearby places
- Bridgewater, SD — population 507
- Canistota, SD — population 642
- Marion, SD — population 874
- Freeman, SD — population 1,311
- Monroe, SD — population 160
- Salem, SD — population 1,335
- Emery, SD — population 478
- Parker, SD — population 1,271