SD · LOAN-AGMT · Updated July 2026 · Free
South Dakota Loan Agreement
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South Dakota at a glance: Default Interest: 15% · Maximum Written: No limit (must be written) · Governing Law: South Dakota Codified Laws Title 54
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Overview
Loan Agreements in South Dakota
South Dakota has no statutory limit on interest rates if the rate is written and agreed to in a signed contract (S.D.C.L. § 54-3-4).
Key Facts
South Dakota Loan Agreement — Quick Reference
| Requirement | South Dakota Rule |
|---|---|
| Default Interest | 15% |
| Maximum Written | No limit (must be written) |
| Governing Law | South Dakota Codified Laws Title 54 |
Legal Requirements
South Dakota Legal Requirements
- Interest rates above 15% must be specified in writing.
Governing Laws
South Dakota Governing Laws
Read the full text of these laws at Cornell Law School's South Dakota legal resources or your state legislature's official website.
Questions & Answers
South Dakota Loan Agreement — Frequently Asked Questions
What is the default contract interest rate in South Dakota?
15% per year.