You're more than a credit score. Our AI matches you with lenders who look at your whole financial picture - not just a number.
✓ No credit impact • ✓ 100% free • ✓ Takes 2 minutes
People Matched
In Approved Loans
From Real Users
Average Time
With a population of 177,629, Sioux Falls is one of South Dakota's major cities. Our lending network serves all Sioux Falls zip codes including 57104, 57105, 57106, 57107, 57103, and more.
Getting matched with the right lender is simple and fast
Quick 2-minute form. No impact on your credit score.
Our platform searches hundreds of trusted lenders for you.
Review personalized offers and select the best one.
We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.
Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.
Local lending landscape and South Dakota regulations
South Dakota voters approved a 36% APR cap in 2016, dramatically reforming lending and ending predatory payday practices.
Common questions from Sioux Falls residents
Join 50,000+ borrowers who found hope and financial solutions.
✓ No credit impact • ✓ 100% free • ✓ Takes 2 minutes
Yes, many lenders in Sioux Falls, South Dakota specialize in working with borrowers who have less-than-perfect credit. Our lending network considers factors beyond just your credit score, including your income, employment history, and debt-to-income ratio. Many Sioux Falls residents with credit scores below 600 have been approved.
While requirements vary by lender, many of our South Dakota lending partners work with credit scores as low as 580. Some lenders focus primarily on your income and ability to repay rather than your credit score. The best way to find out is to check your rate - it takes just 2 minutes and won't affect your credit.
Bad credit loan amounts typically range from $1,000 to $35,000. Your approved amount depends on your income, existing debts, and the specific lender. Sioux Falls borrowers with stable income often qualify for higher amounts even with lower credit scores.
Many Sioux Falls applicants who are approved can receive funds as soon as the next business day. Some lenders even offer same-day funding for applications submitted early in the day. The approval decision itself often takes just minutes.
No. Checking your rate through our platform uses a soft credit inquiry, which does not affect your credit score. Only after you accept a loan offer and complete the full application will a hard inquiry be made. This means you can compare options risk-free.
Last Updated: Feb 2026