Personal loans in Timber Lake, SD

Timber Lake: population, trend and location

Most of what governs a Timber Lake loan is written in South Dakota law rather than in the city; the sourced notes below make that split concrete.

• Population: about 516 people live here, which puts Timber Lake 113th of 309 Census places in South Dakota (Vintage 2023).
• Population trend: A rise of about 0.4% from 2020 to 2023.
• People gained or lost: about 2 more since the 2020 base.
• Size percentile: roughly 63% of South Dakota places rank below Timber Lake.
• Land and density: 0.6 square miles of land carry roughly 845 residents per square mile.
• By land area: Timber Lake ranks 158th among South Dakota's 309 places, at 0.6 sq mi.
• State share: roughly 0.1% of South Dakota's residents live in Timber Lake (516 people).
• National rank: Timber Lake is the 13,042nd most populous of the 19,457 Census places covered here.
• Growth rank: Timber Lake ranks 125th among South Dakota's 309 places for the 2020-to-2023 change.
• State comparison: South Dakota's places average +0.9% for 2020-to-2023, against Timber Lake's 0.4%.
• Density rank: Timber Lake is the 102nd most densely settled place in South Dakota.
• Against the state median: Timber Lake runs about 845 residents per square mile, where the South Dakota median is 581.
• Location: 45.4294 / -101.0714, per the US Census Bureau Gazetteer.
• Nearest larger cities: McLaughlin (29 mi); Eagle Butte (31 mi); Mobridge (32 mi); Selby (51 mi); Lemmon (63 mi). Larger metros often have more branches, but online lenders reach Timber Lake on the same terms.
• Smaller places close by: Isabel (18 mi); McIntosh (37 mi); Dupree (37 mi).
• Within a 50-mile radius: 8 smaller Census places.
• Larger places within 100 miles: 23.

Timber Lake on the map

Inside Timber Lake's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 845 people per square mile. For the state's biggest city, Sioux Falls, the distance is roughly 251 miles. A 50-mile radius around Timber Lake takes in 3 places that are larger. By land area it ranks 158th of 309 South Dakota places.

What South Dakota law requires in Timber Lake

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

How Timber Lake compares across South Dakota

Set beside South Dakota's 309 places, Timber Lake ranks 113th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Timber Lake ranks 125th of 309 in South Dakota (about the 60th percentile). By density, at about 845 people per square mile, it ranks 102nd in South Dakota. The population moved by about 2 people between 2020 and 2023, a 0.4% shift.

What to do before borrowing in Timber Lake

For Timber Lake's roughly 516 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the lender holds a South Dakota licence by checking the regulator named above.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Timber Lake-specific: the same South Dakota licensing and disclosure rules reach all 516 residents.

What shapes a Timber Lake personal loan

In Timber Lake, a small community of about 516, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Timber Lake can be quoted different APRs on the same amount and term. The term you choose in Timber Lake decides the split between a comfortable payment and the total interest you pay.