Personal loans in Rosholt, SD
Rosholt is a small community of about 368 residents, and a personal loan taken out here is governed by South Dakota statute.
Every figure below is South Dakota's own, applied to Rosholt's 368 residents, with the publisher and retrieval date attached. Roughly 368 residents live in Rosholt, the 140th-largest community in South Dakota. Price two or three terms so you can see which payment is truly affordable in Rosholt. Census figures put the 2020-to-2023 decrease in Rosholt at about 2.6%. The nearest larger city is Wheaton, MN about 12 miles away.
What the Census records for Rosholt
Set out below is Rosholt's local context next to the state-level rules that reach every lender here.
- Population: 368 people, a figure that places Rosholt 140th among the 309 Census places in South Dakota (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 2.6% between 2020 and 2023.
- Absolute change: 10 residents lost between 2020 and 2023.
- Size percentile: Rosholt's 368 people outrank roughly 55% of the places in South Dakota.
- Population density: 1,243 people per square mile on 0.3 square miles of land.
- Land area: Rosholt covers 0.3 square miles, the 234th-largest area among South Dakota's 309 places.
- State share: roughly 0.1% of South Dakota's residents live in Rosholt (368 people).
- National rank: Rosholt is the 14,436th most populous of the 19,457 Census places covered here.
- Growth in South Dakota: Rosholt stands 265th by percentage change from 2020 to 2023, among 309 places.
- State comparison: South Dakota's places average +0.9% for 2020-to-2023, against Rosholt's 2.6%.
- Density rank: Rosholt is the 44th most densely settled place in South Dakota.
- Against the state median: Rosholt runs about 1,243 residents per square mile, where the South Dakota median is 581.
- Location: mapped by the US Census Bureau at 45.8662, -96.7318.
- Nearest larger cities: Wheaton (12 mi); Hankinson (16 mi); Browns Valley (19 mi); Sisseton (21 mi); Lidgerwood (24 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: White Rock (9 mi); New Effington (9 mi); Fairmount (14 mi).
- Smaller neighbours: 45 places smaller than Rosholt sit within 50 miles.
- Within 100 miles: 122 places are larger than Rosholt.
The state rulebook for Rosholt
These are South Dakota's sourced lending facts as they reach Rosholt's 368 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 |
| 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 |
| 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 |
Where Rosholt sits
Rosholt's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 368 residents, the land area yields roughly 1,243 people per square mile. Sioux Falls, the largest place in South Dakota, is about 161 miles from Rosholt. Rosholt has 27 larger places within a 50-mile radius. Within the same 50 miles lie 45 smaller Census places.
How lenders reach Rosholt
At roughly 1,243 people per square mile, Rosholt is moderately settled; 27 larger places lie within 50 miles. Whether Rosholt has a local branch or not, a South Dakota-licensed lender can serve its 368 people online on the same terms. The nearest bigger place is Wheaton, MN about 12 miles away.
How personal loans work in Rosholt
In Rosholt, a small community of about 368, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Rosholt's rank of 140th in South Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Rosholt loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Rosholt against the rest of South Dakota
Rosholt is the 140th-largest of 309 Census places in South Dakota and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 265th of 309 South Dakota places, putting it near the 14th percentile for growth. At about 1,243 people per square mile, Rosholt is the 44th most densely settled place in South Dakota. By land area, its 0.3 square miles rank 234th of 309 places in South Dakota.
Common questions
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Nearby places
- White Rock, SD — population 7
- New Effington, SD — population 226
- Fairmount, ND — population 336
- Wheaton, MN — population 1,339
- Hankinson, ND — population 918
- Browns Valley, MN — population 511
- Great Bend, ND — population 51
- Beardsley, MN — population 210