Personal loans in Ramona, SD

By population, Ramona sits at 188th in South Dakota, with an estimated 163 residents. Pull your credit reports and line up at least three offers before you apply from Ramona. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Ramona's 163 residents. The nearest larger metro is Madison, SD about 9 miles away.

Ramona: population, trend and location

Ramona is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 163, ranked 188th of 309 places in South Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 1.9% from 2020 to 2023.
• People gained or lost: about 3 more since the 2020 base.
• Size percentile: Ramona's 163 people outrank roughly 39% of the places in South Dakota.
• Density: roughly 595 residents per square mile, spread over 0.3 sq mi of land.
• Land area: Ramona covers 0.3 square miles, the 244th-largest area among South Dakota's 309 places.
• Share of state population: Ramona's 163 residents are about 0.0% of South Dakota.
• National standing: Ramona ranks 17,084th of 19,457 US places.
• Growth rank: Ramona ranks 80th 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 Ramona's 1.9%.
• Density rank: Ramona is the 151st most densely settled place in South Dakota.
• Against the state median: Ramona runs about 595 residents per square mile, where the South Dakota median is 581.
• Location: mapped by the US Census Bureau at 44.1199, -97.2154.
• Nearest larger cities: Madison (9 mi); Wentworth (15 mi); Howard (17 mi); Arlington (17 mi); Lake Preston (19 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Oldham (9 mi); Nunda (10 mi); Sinai (12 mi).
• Smaller neighbours: 29 places smaller than Ramona sit within 50 miles.
• Within 100 miles: 199 places are larger than Ramona.

How Ramona compares across South Dakota

Against South Dakota's other places, Ramona accounts for about 0.0% of the state's population and ranks 188th of 309 by size. Its 2020-to-2023 change ranks 80th of 309 South Dakota places, putting it near the 74th percentile for growth. At about 595 people per square mile, Ramona is the 151st most densely settled place in South Dakota. By land area, its 0.3 square miles rank 244th of 309 places in South Dakota.

South Dakota consumer-lending rules applied in Ramona

Read the table as a lender's compliance picture for Ramona: the rule, the sourced figure, the publisher and the date.

What is available to Ramona borrowers

At roughly 595 people per square mile, Ramona is moderately settled; 46 larger places lie within 50 miles. What is available to Ramona's 163 borrowers is set by South Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Madison, SD about 9 miles away.

Steps to take before a Ramona loan

Complete these steps first when you borrow in Ramona (163 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the South Dakota regulator's records to confirm the lender is licensed here.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Ramona-specific: the same South Dakota licensing and disclosure rules reach all 163 residents.

How a Ramona personal loan is priced

Most loans made to Ramona's 163 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Ramona's 163 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Ramona loan but raises total interest, so the smallest payment is not the cheapest loan.