SDCL § 54-3A-2: Items included in amount financed.

As used in this chapter, unless the context otherwise requires, "amount financed" means the total of the following items from which any prepaid finance charge or required deposit has been excluded:

(1) The cash price of the goods or services less the total amount of any down payment whether made in cash or in property traded in;

(2) The amount actually paid or to be paid by the creditor pursuant to an agreement to discharge a security interest in, a lien on, or an unpaid obligation with respect to any property traded in; and

(3) Amounts actually paid or to be paid by the creditor which are for additional charges authorized by § 54-3A-5 and are agreed to by the consumer.