Personal financing in Union County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Union County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingHome Financing
The doors in Union County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 1
- DOORS HERE
- 0
- BASED HERE
- 26
- SD COUNTIES WITH DOORS
- Lane
- Personal Financing
- People
- 17Kresidents of Union County
- Elsewhere in SD
- Pennington County →8 doors — the biggest list of any other county in South Dakota
- State
- South Dakota →26 of 66 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Union County line. You can walk in.
- Siouxland Credit UnionPersonal · Home · Business capital
- Northeast South Dakota Economic Corp.Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
This guide helps Union County, South Dakota residents — including solo contractors, small investors, and Spanish-speaking community members — understand their personal financing options. It spotlights local credit unions, community development lenders, and ITIN-friendly institutions that actually serve the county. Federal programs are included as background context, while local intermediaries are the focus. The goal is to help you borrow responsibly, avoid predatory traps, and build lasting financial stability in your community.
- 1
- DOORS HERE
- 18
- ACROSS SD
Based in South Sioux Cit, Nebraska. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.The rules where you are.
None of this is set by a lender. South Dakota sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- STATE INCOME TAXNone
What the state takes off what you earn, before anyone works out what payment you can carry.
- SALES TAX4.2% state · 1.91% avg local
What you pay on top of every purchase. On a small loan for a repair or a tool, this is a real part of the total.
- MEDIAN HOUSEHOLD INCOME$69K
Half the households in the state earn less than this. A lot of the programs above use that number to decide who qualifies.
- COST OF LIVING93.4
National index, where 100 is the country's average. Under 100 means your money goes further here.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
1 door sit inside the Union County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
1 of them are credit unions — owned by their members rather than by shareholders, and used to reading a whole story instead of a score.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
26 of South Dakota's 66 counties hold a door in this lane. If Union County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN UNION COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN UNION COUNTY →26SD COUNTIES WITH DOORSThe whole stateEvery county in South Dakota, in this same lane.18 institutions fund personal borrowing inside South Dakota county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.