Personal loans in Philip, SD

Where Philip stands

Read the local figures below as context; read the sourced South Dakota table as the rulebook a lender here must follow.

• Population: about 758 people live here, which puts Philip 85th of 309 Census places in South Dakota (Vintage 2023).
• Population trend: About 0.8% below the 2020 Census base.
• Net change: roughly 6 fewer people than the 2020 Census counted.
• Size percentile: roughly 72% of South Dakota's places have fewer residents than Philip's 758.
• Density: the Census land area of 0.6 sq mi holds about 1,219 people per square mile.
• By land area: Philip ranks 152nd among South Dakota's 309 places, at 0.6 sq mi.
• Share of state population: Philip's 758 residents are about 0.1% of South Dakota.
• National rank: Philip sits 11,422nd by population among the 19,457 places in this dataset.
• Growth in South Dakota: Philip stands 194th by percentage change from 2020 to 2023, among 309 places.
• State comparison: South Dakota's places average +0.9% for 2020-to-2023, against Philip's 0.8%.
• Density in South Dakota: Philip ranks 45th by people per square mile.
• Density vs South Dakota: Philip's 1,219 people per square mile compare with a state median of 581.
• Location: 44.0409, -101.6648 (Census Gazetteer coordinates).
• Nearest larger cities: Martin (60 mi); Fort Pierre (67 mi); Eagle Butte (69 mi); Box Elder (70 mi); Pierre (70 mi). Lenders licensed in the state serve Philip whether or not they keep a local branch.
• Nearest smaller towns: Cottonwood (13 mi); Kadoka (17 mi); Quinn (23 mi).
• Smaller neighbours: 9 places smaller than Philip sit within 50 miles.
• Within 100 miles: 15 places are larger than Philip.

Philip in state context

Philip is the 85th-largest of 309 Census places in South Dakota and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Philip stands 194th among South Dakota's 309 places — roughly the 37th percentile. Its roughly 1,219 residents per square mile place it 45th among South Dakota's places. The population moved by about 6 people between 2020 and 2023, a 0.8% shift.

The state rulebook for Philip

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

What a Philip borrower is actually offered

Philip is a small community of about 758 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Philip loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Philip decides the split between a comfortable payment and the total interest you pay.

The geography behind Philip

Inside Philip's boundaries lie about 0.6 square miles of land, with no significant water area recorded. Spread across it are roughly 1,219 residents per square mile. The state's population centre of gravity, Sioux Falls, is roughly 248 miles away. Within 50 miles of Philip there are 0 larger Census places. The 100-mile radius contains 15 larger places.

Before you apply in Philip

Before you apply in Philip, a community of about 758, work through these steps:

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. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the South Dakota licence with the regulator named above before committing.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Philip as elsewhere in South Dakota, the written terms — not the advertisement — are what count for its 758 residents.