Personal loans in Spearfish, SD

The Spearfish data picture

The figures below are Spearfish's own — Census population, land area and coordinates — followed by the South Dakota rules.

• Population: a Census-estimated 13,282, 11th among South Dakota's 309 places (Vintage 2023).
• Population trend: Roughly 8.9% more residents than the 2020 Census counted.
• Absolute change: 1,085 residents added between 2020 and 2023.
• Size percentile: roughly 96% of South Dakota's places have fewer residents than Spearfish's 13,282.
• Land and density: 17.3 square miles of land carry roughly 769 residents per square mile.
• Land area: Spearfish covers 17.3 square miles, the 4th-largest area among South Dakota's 309 places.
• State share: roughly 2.0% of South Dakota's residents live in Spearfish (13,282 people).
• National standing: Spearfish ranks 2,578th of 19,457 US places.
• Growth rank: Spearfish's 2020-to-2023 change ranks 16th of 309 places in South Dakota.
• Against the state trend: Spearfish's 8.9% change compares with a South Dakota average of +0.9% across its 309 places.
• Density in South Dakota: Spearfish ranks 119th by people per square mile.
• Against the state median: Spearfish runs about 769 residents per square mile, where the South Dakota median is 581.
• Location: 44.4914, -103.8163 (US Census Bureau Gazetteer).
• Nearest larger cities: Rapid City (41 mi); Box Elder (45 mi); Gillette (84 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Deadwood (9 mi); Central City (9 mi); Whitewood (9 mi).
• Within a 50-mile radius: 18 smaller Census places.
• Within 100 miles: 3 places are larger than Spearfish.

Getting a loan in Spearfish

Spearfish is a moderately settled community of about 13,282 people, with 2 larger places inside a 50-mile radius. Lenders licensed in South Dakota reach Spearfish's 13,282 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Rapid City, SD about 41 miles away.

The state rulebook for Spearfish

Below are the South Dakota rules that apply to a loan made in Spearfish, each with the regulator that issued it.

Spearfish on the map

The Census Gazetteer records about 17.3 square miles of land within Spearfish, with no significant water area listed. The resulting density is about 769 people per square mile. The largest place in South Dakota, Sioux Falls, lies about 358 miles away. Spearfish has 2 larger places within a 50-mile radius. Within the same 50 miles lie 18 smaller Census places.

The Spearfish borrowing checklist

For Spearfish's roughly 13,282 residents, these are the steps that most influence the offer:

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. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the South Dakota regulator's licence list.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Spearfish-specific: the same South Dakota licensing and disclosure rules reach all 13,282 residents.

Spearfish's place among South Dakota's 309 places

Set beside South Dakota's 309 places, Spearfish ranks 11th by population and holds about 2.0% of the state total. Its 2020-to-2023 change ranks 16th of 309 South Dakota places, putting it near the 95th percentile for growth. Its roughly 769 residents per square mile place it 119th among South Dakota's places. Within 50 miles sit 18 smaller Census places, alongside the 2 that are larger.