Personal loans in Wentworth, SD

An estimated 174 people make their home in Wentworth, a figure that ranks 184th in South Dakota. For a bigger market, look to Madison, SD about 7 miles away. Which products a lender may offer to Wentworth's 174 residents follows from the South Dakota consumer-lending framework. Rate-shopping from Wentworth costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

Wentworth: population, trend and location

Only a few things actually differ by place — population, area, location, and the South Dakota rules a lender must follow — and they are below.

• Population: 174 people, a figure that places Wentworth 184th among the 309 Census places in South Dakota (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.9% between 2020 and 2023.
• Absolute change: 7 residents lost between 2020 and 2023.
• Size percentile: roughly 40% of South Dakota's places have fewer residents than Wentworth's 174.
• Population density: 685 people per square mile on 0.3 square miles of land.
• Land area: Wentworth covers 0.3 square miles, the 261st-largest area among South Dakota's 309 places.
• Within South Dakota: about 0.0% of the state's population lives in Wentworth.
• National rank: Wentworth is the 16,891st most populous of the 19,457 Census places covered here.
• Growth rank: Wentworth's 2020-to-2023 change ranks 291st of 309 places in South Dakota.
• Against the state trend: Wentworth's 3.9% change compares with a South Dakota average of +0.9% across its 309 places.
• Density in South Dakota: Wentworth ranks 140th by people per square mile.
• Density in context: Wentworth's 685 people per square mile sit against a South Dakota median of 581.
• Location: 43.9969, -96.9645 (Census Gazetteer coordinates).
• Nearest larger cities: Madison (7 mi); Colman (8 mi); Colton (15 mi); Egan (16 mi); Trent (16 mi). Lenders licensed in the state serve Wentworth whether or not they keep a local branch.
• Smaller communities within reach: Brant Lake (5 mi); Nunda (12 mi); Ramona (15 mi).
• Smaller places within 50 miles: 30 of them.
• At 100 miles: 210 larger Census places fall inside that radius.

Borrowing reach in Wentworth

At roughly 685 people per square mile, Wentworth is moderately settled; 59 larger places lie within 50 miles. Lenders licensed in South Dakota reach Wentworth's 174 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Madison, SD about 7 miles away.

How a Wentworth personal loan is priced

In Wentworth, a small community of about 174, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Wentworth lender to disclose the APR and finance charge before you sign. Shortening the term on a Wentworth loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Wentworth: area, density and distance

Wentworth's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 174 residents, the land area yields roughly 685 people per square mile. The state's population centre of gravity, Sioux Falls, is roughly 34 miles away. Within 50 miles of Wentworth there are 59 larger Census places. Within the same 50 miles lie 30 smaller Census places.

Before you apply in Wentworth

Before you apply in Wentworth, a community of about 174, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the South Dakota regulator's licence list.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Wentworth-specific: the same South Dakota licensing and disclosure rules reach all 174 residents.

The state rulebook for Wentworth

Every row below records a South Dakota rule, its publisher and its retrieval date — the same rules a Wentworth lender must follow.