Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Cash Advance in Tulsa, OK
Residents of Tulsa, OK who need cash before payday can choose from four legal options: applying for a Payday Alternative Loan (PAL) at one of the 14 local credit unions, drawing early wages through a cash advance app, taking a credit card cash advance at a local bank or ATM, or visiting one of the 23 payday, installment and title loan stores operated by 11 chains in the area. There are also 25 pawn shops in Tulsa for borrowers who prefer a collateral loan that does not touch their checking account.
In Tulsa, where the median household income is $61,389 according to the U.S. Census Bureau, picking the right option can save you dozens of dollars on a single short-term advance. Storefront payday advances in Tulsa are regulated by the OK Dept of Cons. Credit under the Oklahoma Deferred Deposit Lending Act, which allows advances of from $100 up to $500 (up to $500) for between 12 days and 45 days with fees capped at $15 per $100 advanced (up to $75, or a typical APR of ~391%). Your CU Partner is an independent consumer-finance resource, not a lender, and we do not make loan decisions.
Where to get a cash advance in Tulsa
Below is our directory of the 23 payday, installment and title loan stores (11 chains) in Tulsa, alongside the 14 credit unions and 25 pawn shops serving the community. Before walking up to a storefront counter in Tulsa, check whether you qualify for a 28%-APR PAL at a local credit union. If you do visit a payday counter, the clerk will ask for your photo ID, recent pay stub, and a personal check or debit authorization; before signing, ask for the written Truth in Lending disclosure showing the exact dollar fee (capped at $15 per $100 advanced under the Oklahoma Deferred Deposit Lending Act) and verify the store's license with the OK Dept of Cons. Credit.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10664 E 31st St Ste B Tulsa, OK 74146 | (918) 270-1609 | — | 4.4 |
| 1245 S Garnett Rd Tulsa, OK 74128 | (918) 234-6006 | — | 4.6 |
| 1507 W 51st St Tulsa, OK 74107 | (918) 447-3385 | — | 4.8 |
| 275 S Lewis Ave Tulsa, OK 74104 | (918) 584-3177 | — | 4.9 |
| 6005 S Peoria Ave Tulsa, OK 74105 | (918) 747-2457 | — | 4.8 |
| 6230 N Peoria Ave Tulsa, OK 74126 | (918) 425-0096 | — | 4.8 |
| 845 N Sheridan Rd Tulsa, OK 74115 | (918) 836-0025 | — | 4.8 |
| 2146 S Sheridan Rd Tulsa, OK 74129 | (918) 836-7225 | — | 4.8 |
| 3712 E 51st St Tulsa, OK 74135 | (918) 293-0577 | — | 4.8 |
| 4963 S Union Ave Tulsa, OK 74107 | (918) 447-9653 | — | 4.9 |
| 7109 S Memorial Dr Tulsa, OK 74133 | (918) 252-7378 | — | 4.9 |
| 1620 N. Lewis Ave. Tulsa, OK 74110 | (918) 585-9962 | Mon–Fri 9:00 AM – 5:30 PM Sat 10:00 AM – 1:00 PM Sun closed |
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| 9441 E. 31st St. Tulsa, OK 74145 | (918) 280-0800 | Mon–Fri 9:00 AM – 5:30 PM Sat 10:00 AM – 1:00 PM Sun closed |
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| 1631 S Yale Ave Ste 3 Tulsa, OK 74112 | (918) 272-7719 | — | 4.2 |
| 3602 E 51st St Tulsa, OK 74135 | (918) 744-5320 | — | 3.7 |
| 1915 S Yale Ave Tulsa, OK 74112 | (918) 835-5772 | — | 4.7 |
| 6709 E 81st St Ste E Tulsa, OK 74133 | (918) 499-0306 | — | 4.8 |
| 4271 Southwest Blvd Tulsa, OK 74107 | (918) 445-5189 | — | 4.1 |
| 5032 S Memorial Dr Tulsa, OK 74145 | (918) 621-4466 | — | 4.7 |
| 10140 E 71st St Ste C Tulsa, OK 74133 | (539) 242-5025 | — | 5.0 |
| 1517 S Harvard Ave Spc B Tulsa, OK 74112 | (918) 208-0381 | — | 4.9 |
| Shamrock Finance 1523B S Harvard Ave Tulsa, OK 74112 | (918) 270-2700 | — | 4.4 |
| 5200 S Yale Ave Suite 605C Tulsa, OK 74135 | (918) 410-1080 | — | 3.3 |
What a $300 cash advance costs in Tulsa, OK
With a median household income of $61,389 in Tulsa (U.S. Census Bureau), a typical biweekly gross household paycheck before taxes is roughly a few thousand dollars, leaving little room for high finance charges when rent and utilities are due at the same time. Here is what borrowing a typical $300 cash advance costs across each option available to Tulsa residents:
1. Federal credit union PAL in Tulsa: At the NCUA maximum 28% APR, borrowing $300 for 30 days costs about $6.90 in interest, plus an application fee of up to $20 (total cost between $6.90 and $26.90, with the option to spread payments over 1 to 12 months at one of the 14 local credit unions).
2. Cash advance app (earned wage access): Advancing $300 of already-earned wages costs $0 in finance charges if you use an app with no mandatory monthly membership fee, skip optional tips, and wait 1 to 3 business days for standard ACH delivery. Choosing instant delivery adds an optional express fee, and some apps charge a monthly membership fee.
3. Credit card cash advance at a Tulsa ATM or bank: Using typical national figures from the CFPB and Federal Reserve, a 5% upfront fee ($10 minimum) on $300 equals $15.00 immediately, plus 30 days of daily interest at a typical 30% APR ($7.40), for a total cost of about $22.40 ($322.40 repaid after 30 days).
4. Storefront payday cash advance in Tulsa: Under the Oklahoma Deferred Deposit Lending Act, lenders in Oklahoma can charge up to $15 per $100 advanced (up to $75 on a maximum loan of $500 for between 12 days and 45 days, or ~391% APR). At the typical national payday fee of $15 per $100 borrowed for 14 days (~391% APR), a $300 advance costs $45.00 in just two weeks ($345.00 due on your next payday).
Compare cash advance dollar costs in Tulsa
| Estimated fees and interest | Estimated total repayment | Estimated effective APR | |
|---|---|---|---|
| Payday cash advance | |||
| Credit card cash advance (~5% fee + ~30% APR) | |||
| Cash advance app (membership + optional express fee) | |||
| Credit union PAL (up to 28% APR + up to $20 fee) |
Estimates are for educational comparison only and are not a loan offer or commitment to lend.
Cash advance FAQ: Tulsa
How can I get same-day cash in Tulsa, OK?
You have three ways to get cash on the same day in Tulsa. If you have a credit card with an active PIN and available cash advance limit, you can withdraw cash immediately at a local ATM or bank branch, though a typical 5% fee and ~30% APR apply from day one. You can also request an instant transfer through an earned wage access app for an optional express fee, or visit one of the 23 payday, installment and title loan stores or 14 credit unions in Tulsa during normal business hours before their afternoon cutoff.
What do I need to bring to a cash advance counter in Tulsa?
To apply in person at one of the 23 loan stores or 14 credit unions in Tulsa, bring a valid government-issued photo ID proving you are at least 18 years old, your most recent pay stub or proof of recurring income, and proof of your Tulsa address. Storefront payday lenders also require an active checking account statement and either a blank personal check or debit card details to set up the deferred presentment repayment.
Are there cheaper alternatives to payday storefronts in Tulsa?
Yes, Tulsa has 14 credit unions where members can apply for a Payday Alternative Loan (PAL) capped at 28% APR under NCUA rules, which costs about $6.90 in interest on $300 over 30 days (plus up to a $20 application fee). By contrast, payday storefronts in Tulsa can legally charge up to $15 per $100 advanced (up to $75, or ~391% APR) under the Oklahoma Deferred Deposit Lending Act. If you have an item of value and want to avoid bank account debits altogether, you can also compare collateral loan rates at the 25 pawn shops in Tulsa.
What are typical hours for cash advance stores in Tulsa, OK?
Hours vary by lender and location. Where a store publishes its hours, we show them in the list on this page; for the rest, call ahead — every listing with a phone number has a tap-to-call link. Credit union branches among the 14 credit unions in Tulsa usually keep weekday banking hours, and some open on Saturday mornings.
How do I verify a cash advance store in Tulsa is licensed?
Every storefront offering deferred presentment cash advances in Tulsa is required by the Oklahoma Deferred Deposit Lending Act to display its state license certificate openly near the counter. You can also search the company name or street address in the public database maintained by the OK Dept of Cons. Credit before visiting. If a lender is not listed with the OK Dept of Cons. Credit, report it to the state regulator and the CFPB.
Cash advance options in cities near Tulsa, OK
More small-dollar borrowing resources for Oklahoma residents
How we get our numbers: Store counts in Tulsa, OK (23 payday, installment and title loan stores across 11 chains) come from lender websites and Google Maps listings; credit unions (14, by headquarters) from NCUA data; pawn shops (25) from Overture Maps open data. State limits (from $100 up to $500, between 12 days and 45 days, $15 per $100 advanced, ~391%) are summarized from the Oklahoma Deferred Deposit Lending Act. Median household income ($61,389) is from the U.S. Census Bureau American Community Survey. Credit card and national payday figures are typical benchmarks based on CFPB and Federal Reserve data.
To report an unlicensed lender, an overcharge above state fee caps, or an unfair collection practice, file a complaint with the OK Dept of Cons. Credit in your state and submit a federal complaint to the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or by calling (855) 411-2372.
Your CU Partner is a free, independent educational website. We are not a lender, loan broker, credit union, or cash advance app provider, and we do not make credit or loan approval decisions. Nothing on this page constitutes personalized financial, legal, or tax advice. State lending statutes, fee caps, and product terms change periodically; always verify current rates, fees, and Truth in Lending disclosures directly with the credit union, card issuer, app, or lender, and confirm any lender's license status with the OK Dept of Cons. Credit.