Personal loans in Frederick, SD

What the Census records for Frederick

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: a Census-estimated 206, 174th among South Dakota's 309 places (Vintage 2023).
• Population trend: A decline of about 3.7% across the 2020-to-2023 comparison.
• Absolute change: 8 residents lost between 2020 and 2023.
• Size percentile: Frederick sits ahead of around 44% of South Dakota places, at 206 people.
• Population density: 152 people per square mile on 1.4 square miles of land.
• By land area: Frederick ranks 73rd among South Dakota's 309 places, at 1.4 sq mi.
• Within South Dakota: about 0.0% of the state's population lives in Frederick.
• National rank: Frederick sits 16,388th by population among the 19,457 places in this dataset.
• Growth in South Dakota: Frederick stands 288th by percentage change from 2020 to 2023, among 309 places.
• Against the state trend: Frederick's 3.7% change compares with a South Dakota average of +0.9% across its 309 places.
• Density in South Dakota: Frederick ranks 258th by people per square mile.
• Against the state median: Frederick runs about 152 residents per square mile, where the South Dakota median is 581.
• Location: mapped by the US Census Bureau at 45.8319, -98.5067.
• Nearest larger cities: Ellendale (12 mi); Leola (22 mi); Aberdeen (25 mi); Oakes (29 mi); Groton (33 mi). Lenders licensed in the state serve Frederick whether or not they keep a local branch.
• Nearest smaller towns: Westport (13 mi); Forbes (15 mi); Hecla (17 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 25 smaller Census places.
• At 100 miles: 75 larger Census places fall inside that radius.

How a Frederick personal loan is priced

Most loans made to Frederick's 206 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Frederick loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Frederick loan is knowable in advance — unlike a revolving card balance.

What is available to Frederick borrowers

At roughly 152 people per square mile, Frederick is lightly settled; 17 larger places lie within 50 miles. Distance to a branch rarely matters for Frederick's 206 residents: the application is online and the price follows your credit file. The nearest bigger place is Ellendale, ND about 12 miles away.

South Dakota rules behind a Frederick personal loan

When South Dakota does not publish a figure, the row links to the source instead of inventing a number; Frederick is bound by the same rules.

Steps to take before a Frederick loan

A sensible order of operations for a loan in Frederick, home to about 206 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the South Dakota licence with the regulator named above before committing.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

In Frederick as elsewhere in South Dakota, the written terms — not the advertisement — are what count for its 206 residents.

Frederick in state context

Against South Dakota's other places, Frederick accounts for about 0.0% of the state's population and ranks 174th of 309 by size. Its 2020-to-2023 change ranks 288th of 309 South Dakota places, putting it near the 7th percentile for growth. Its roughly 152 residents per square mile place it 258th among South Dakota's places. Between 2020 and 2023 the count changed by roughly 8 residents.