Personal loans in Mound City, SD
Rate ceilings, licensing requirements and product limits for Mound City are all set at the South Dakota level. Mound City is a small community of about 65 residents, and a personal loan taken out here is governed by South Dakota statute.
With an estimated 65 residents, Mound City is the 256th-largest of 309 places in South Dakota. The trend for Mound City between 2020 and 2023 is downward by roughly 3.0%. Rate-shopping from Mound City costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Borrowers who want a bigger city can look to Herreid, SD about 8 miles away.
The Mound City data picture
Here is the sourced Census picture for Mound City, plus the South Dakota lending rules that apply to a loan taken out here.
- Population: the Census counts 65 residents in Mound City (Vintage 2023 subcounty estimate), the 256th-largest figure among South Dakota's 309 places.
- Population trend: Lower by roughly 3.0% since the 2020 count.
- Net change: roughly 2 fewer people than the 2020 Census counted.
- Size percentile: about 17% of South Dakota's Census places are smaller than Mound City.
- Land and density: 0.1 square miles of land carry roughly 512 residents per square mile.
- Land area: Mound City covers 0.1 square miles, the 302nd-largest area among South Dakota's 309 places.
- Within South Dakota: about 0.0% of the state's population lives in Mound City.
- National rank: Mound City is 18,743rd of 19,457 places nationwide.
- Growth rank: Mound City's 2020-to-2023 change ranks 273rd of 309 places in South Dakota.
- Versus South Dakota: the state average change is +0.9%, while Mound City moved 3.0%.
- Density rank: Mound City is the 168th most densely settled place in South Dakota.
- Density vs South Dakota: Mound City's 512 people per square mile compare with a state median of 581.
- Location: 45.7262, -100.0688 (US Census Bureau Gazetteer).
- Nearest larger cities: Herreid (8 mi); Selby (15 mi); Pollock (16 mi); Glenham (17 mi); Java (18 mi). Living near a larger metro rarely changes what is available in Mound City.
- Nearest smaller towns: Artas (17 mi); Lowry (29 mi); Venturia (31 mi) — useful context for the surrounding area.
- Smaller neighbours: 7 places smaller than Mound City sit within 50 miles.
- Larger places within 100 miles: 74.
Lender access in Mound City
At roughly 512 people per square mile, Mound City is moderately settled; 20 larger places lie within 50 miles. Whether Mound City has a local branch or not, a South Dakota-licensed lender can serve its 65 people online on the same terms. The nearest larger city, Herreid, SD about 8 miles away.
Land, water and location for Mound City
The Census Gazetteer records about 0.1 square miles of land within Mound City, with no significant water area listed. With 65 residents, the land area yields roughly 512 people per square mile. For the state's biggest city, Sioux Falls, the distance is roughly 223 miles. Counting outward 50 miles, 20 larger communities surround Mound City. Within the same 50 miles lie 7 smaller Census places.
How South Dakota law applies in Mound City
Read the table as a lender's compliance picture for Mound City: the rule, the sourced figure, the publisher and the date.
| 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 |
Mound City's place among South Dakota's 309 places
Mound City is the 256th-largest of 309 Census places in South Dakota and contains about 0.0% of the state's people. For population change between 2020 and 2023, Mound City ranks 273rd of 309 in South Dakota (about the 12th percentile). At about 512 people per square mile, Mound City is the 168th most densely settled place in South Dakota. Within 50 miles sit 7 smaller Census places, alongside the 20 that are larger.
The Mound City borrowing checklist
A sensible order of operations for a loan in Mound City, home to about 65 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a South Dakota licence by checking the regulator named above.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
What differs between Mound City and the rest of South Dakota is not the process but the borrower's own file, among the 65 people here.
Common questions
What are my options in Mound City if my credit is poor?
What loan size can I expect in Mound City?
Do I have to pledge anything to borrow in Mound City?
Does comparing loans in Mound City cost me credit score points?
Nearby places
- Herreid, SD — population 405
- Selby, SD — population 607
- Glenham, SD — population 108
- Pollock, SD — population 222
- Java, SD — population 121
- Artas, SD — population 8
- Hague, ND — population 65
- Zeeland, ND — population 82