Personal loans in Centerville, SD

The Centerville data picture

Two layers matter for a Centerville borrower: the local population picture and South Dakota's consumer-lending statutes.

• Population: 957 — Centerville ranks 65th of 309 communities in South Dakota (US Census Bureau, Vintage 2023).
• Population trend: About 3.8% above the 2020 Census base.
• People gained or lost: about 35 more since the 2020 base.
• Size percentile: roughly 79% of South Dakota places rank below Centerville.
• Population density: about 1,329 people per square mile (Census land area 0.7 sq mi).
• Land area rank: Centerville's 0.7 square miles rank 138th of 309 places in South Dakota.
• Share of South Dakota: Centerville holds about 0.1% of the state's population, some 957 people.
• National rank: Centerville is 10,410th of 19,457 places nationwide.
• Growth rank: Centerville's 2020-to-2023 change ranks 46th of 309 places in South Dakota.
• State comparison: South Dakota's places average +0.9% for 2020-to-2023, against Centerville's 3.8%.
• Density rank: Centerville is the 37th most densely settled place in South Dakota.
• Against the state median: Centerville runs about 1,329 residents per square mile, where the South Dakota median is 581.
• Location: the Census Gazetteer records it at 43.1165, -96.9595.
• Nearest larger cities: Beresford (9 mi); Lennox (16 mi); Parker (21 mi); Canton (23 mi); Vermillion (23 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Viborg (7 mi); Davis (10 mi); Irene (10 mi), each with its own Census population profile.
• Smaller places within 50 miles: 64 of them.
• Within 100 miles: 95 places are larger than Centerville.

A practical checklist for Centerville borrowers

Before you hand your details to a lender in Centerville, where the population is near 957:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's South Dakota licence with the regulator listed on this page.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across South Dakota; what changes is your credit file, not the fact that Centerville holds 957 people.

What South Dakota law requires in Centerville

South Dakota has no separate rate rule for Centerville; the sourced rows below are what reach every lender that serves its 957 people.

Where Centerville sits

Centerville's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. With 957 residents, the land area yields roughly 1,329 people per square mile. The largest place in South Dakota, Sioux Falls, lies about 31 miles away. A 50-mile radius around Centerville takes in 29 places that are larger. By land area it ranks 138th of 309 South Dakota places.

Where Centerville sits in South Dakota

Among South Dakota's 309 places, Centerville sits at 65th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Centerville stands 46th among South Dakota's 309 places — roughly the 85th percentile. By density, at about 1,329 people per square mile, it ranks 37th in South Dakota. Between 2020 and 2023 the count changed by roughly 35 residents.

How a Centerville personal loan is priced

Most loans made to Centerville's 957 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Centerville's rank of 65th in South Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Centerville loan is knowable in advance — unlike a revolving card balance.