Review 9 credit repair companies, personal lenders, and financial services in Rapid City, South Dakota. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
Aspen Federal Credit Union is an NCUA-insured, member-owned credit union based in Rapid City, South Dakota, offering personal and business checking, savings, loans, and digital banking services.
Profile signals: South Dakota residents and Rapid City area members seeking comprehensive personal banking with rewards checking, Small business owners needing business checking, savings, and commercial lending in the Black Hills region
Non-profit credit counseling agency offering debt management, financial counseling, bankruptcy counseling, and housing counseling nationwide since 1980. NFCC-accredited, bonded, and explicitly not a lender.
Profile signals: Consumers with moderate unsecured debt ($5K-$50K) seeking structured repayment without bankruptcy, Homeowners needing HUD-approved housing counseling or reverse mortgage education
Community bank serving Rapid City and Spearfish, South Dakota with personal and business banking, home loans, and credit cards with a focus on local reinvestment.
Profile signals: South Dakota residents in the Rapid City and Spearfish areas seeking community-focused banking, Small business owners and entrepreneurs prioritizing local banking relationships
CUScore is an independent directory and comparison tool for federally insured credit unions, providing NCUA financial data, health scores, and branch location information for 4,374 credit unions across America.
Profile signals: Consumers researching which credit union to join by comparing financial health and size across states, Individuals learning the differences between credit unions and traditional banks before deciding where to bank
NFCC-certified non-profit credit counselor serving South Dakota, Wyoming, Nebraska, and North Dakota for 50 years with debt management, housing, and financial education.
Profile signals: South Dakota, Wyoming, Nebraska, and North Dakota residents seeking non-judgmental financial counseling and education, Homebuyers interested in pre-purchase counseling and HUD-approved housing education
Portfolio lender specializing in non-recourse loans for self-directed IRAs to purchase investment real estate, serving customers nationwide since 1979.
Profile signals: Self-directed IRA investors seeking to purchase investment properties with retirement funds while maintaining tax-deferred growth, Real estate investors with complex portfolios (agricultural land, commercial properties, multifamily buildings) who need listed lending
Aspen Federal Credit Union is an NCUA-insured, member-owned credit union based in Rapid City, South Dakota, offering personal and business checking, savings, loans, and digital banking services.
Profile signals: South Dakota residents and Rapid City area members seeking comprehensive personal banking with rewards checking, Small business owners needing business checking, savings, and commercial lending in the Black Hills region
CUScore is an independent directory and comparison tool for federally insured credit unions, providing NCUA financial data, health scores, and branch location information for 4,374 credit unions across America.
Profile signals: Consumers researching which credit union to join by comparing financial health and size across states, Individuals learning the differences between credit unions and traditional banks before deciding where to bank
Member-owned federal credit union serving western South Dakota and eastern Wyoming with mortgages, auto loans, credit cards, and youth banking products.
Profile signals: Residents of western South Dakota or eastern Wyoming seeking local, community-focused banking, Families wanting to establish youth savings accounts with financial education components
Minuteman Federal Credit Union is a member-owned, not-for-profit financial cooperative serving South Dakota since 1961, offering competitive loan rates and diverse financial services.
Profile signals: South Dakota residents who qualify for membership through their employer or organizational affiliation, Members seeking lower loan rates and higher savings interest through a not-for-profit cooperative model
Non-profit credit counseling agency offering debt management, financial counseling, bankruptcy counseling, and housing counseling nationwide since 1980. NFCC-accredited, bonded, and explicitly not a lender.
Profile signals: Consumers with moderate unsecured debt ($5K-$50K) seeking structured repayment without bankruptcy, Homeowners needing HUD-approved housing counseling or reverse mortgage education
NFCC-certified non-profit credit counselor serving South Dakota, Wyoming, Nebraska, and North Dakota for 50 years with debt management, housing, and financial education.
Profile signals: South Dakota, Wyoming, Nebraska, and North Dakota residents seeking non-judgmental financial counseling and education, Homebuyers interested in pre-purchase counseling and HUD-approved housing education
Non-profit credit counseling agency offering debt management, bankruptcy counseling, and housing guidance nationwide since 1980. Not a lender.
Profile signals: Consumers with $5K-$50K+ in unsecured debt (credit cards, personal loans) who want to avoid bankruptcy, Homeowners facing foreclosure or mortgage challenges seeking HUD-approved housing counseling
Community bank serving Rapid City and Spearfish, South Dakota with personal and business banking, home loans, and credit cards with a focus on local reinvestment.
Profile signals: South Dakota residents in the Rapid City and Spearfish areas seeking community-focused banking, Small business owners and entrepreneurs prioritizing local banking relationships
Portfolio lender specializing in non-recourse loans for self-directed IRAs to purchase investment real estate, serving customers nationwide since 1979.
Profile signals: Self-directed IRA investors seeking to purchase investment properties with retirement funds while maintaining tax-deferred growth, Real estate investors with complex portfolios (agricultural land, commercial properties, multifamily buildings) who need listed lending
South Dakota Consumer Protections: South Dakota voters approved a 36% APR cap on all consumer loans in 2016, reversing the state's previous reputation as having no usury limit. This effectively banned payday lending. Consumers can file complaints with the Division of Banking or the Attorney General's Consumer Protection Division.
Interest Rate Cap: South Dakota usury cap: 36% APR cap on all consumer loans (Initiated Measure 21, 2016). Payday lending is banned in this state.
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with South Dakota Attorney General Consumer Protection Division.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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