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.
Payday loans in Oklahoma City, Oklahoma
Oklahoma payday loan rules that apply in Oklahoma City
- Max loan amount
- $500
- Min loan term
- 12 days
- Max loan term
- 45 days
- Finance charge cap
- $15 per $100 advanced
- Max absolute fee
- $75
- Typical APR
- ~391%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 2 active loans
- Right to rescind
- Next business day
- Governing law
- Oklahoma Deferred Deposit Lending Act
- Regulator
- OK Dept of Cons. Credit
Oklahoma City at a glance
| Metric | Oklahoma City | Oklahoma | United States |
|---|---|---|---|
| Population | 695,373 | 4.0M | 332.3M |
| Median household income | $63,608 | $66,838 | $85,275 |
| Median rent | $1,102/mo | $1,007/mo | $1,432/mo |
| Income spent on rent | 30.1% | 28.4% | 31.6% |
| Homeownership | 56.3% | 66.3% | 65.4% |
| Poverty rate | 17.2% | 15.4% | 12.6% |
| Unemployment rate | 5.2% | 5.0% | 5.3% |
| Without health insurance | 14.9% | 13.4% | 8.6% |
| Veterans | 8.5% | 8.3% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Oklahoma City
Move the sliders to see what a payday loan would cost under Oklahoma rules and how it compares with local incomes.
Oklahoma maximum: $500
Oklahoma maximum: $15
Rollovers are not allowed in Oklahoma.
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Share of a two-week household paycheck in Oklahoma City
- 3.1%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Oklahoma City
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 3.1%
- Hours of work at the local median wage
- 4.2 hours
- Rollovers
- Not allowed in Oklahoma
Example based on the Oklahoma maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Oklahoma City in context
- Population rank in Oklahoma
- 1st
- of 9 Oklahoma cities with 50,000+ residents
- Median household income rank
- 6th
- of 9 Oklahoma cities with 50,000+ residents
- Households earning under $25,000
- 18.7%
- ▲ 0.9 pts vs OK
- Median home value
- $184,491
- ▼ 1% vs OK
- Home value to income
- 2.9×
- A $400 emergency expense
- 2.3 days
- of median household income
Payday loan stores in Oklahoma City, OK
Licensed storefront lenders in Oklahoma City with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the OK Dept of Cons. Credit before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 101 N Douglas Blvd Ste M Midwest City, OK 73130 | (405) 741-1809 | — | 4.9 |
| 12233 N Pennsylvania Ave Oklahoma City, OK 73120 | (405) 748-9050 | — | 4.8 |
| 1408 N Eastern Ave Oklahoma City, OK 73160 | (405) 237-1013 | — | 4.8 |
| 2401 NW 23rd St Ste 58 Oklahoma City, OK 73107 | (405) 525-3990 | — | 4.8 |
| 4527 SE 29th St Del City, OK 73115 | (405) 677-2487 | — | 4.9 |
| 5350 S Western Ave Suite 104 Oklahoma City, OK 73109 | (405) 835-2883 | — | 4.9 |
| 5616 Northwest Expy Warr Acres, OK 73132 | (405) 621-2160 | — | 4.8 |
| 5904 NW 38th St Warr Acres, OK 73122 | (405) 789-4441 | — | 4.9 |
| 13427 N Pennsylvania Ave Oklahoma City, OK 73120 | (405) 302-0076 | — | 4.7 |
| 1425 SW 59th St Oklahoma City, OK 73119 | (405) 685-3366 | — | 4.8 |
| 216 NW 23rd St Oklahoma City, OK 73103 | (405) 528-3121 | — | 4.8 |
| 4535 NW 23rd St #80a Oklahoma City, OK 73127 | (405) 947-7377 | — | 4.7 |
| 6601 Northwest Expy Oklahoma City, OK 73132 | (405) 721-0500 | — | 4.7 |
| 824 S Air Depot Blvd A Midwest City, OK 73110 | (405) 736-6639 | — | 4.8 |
| 2301 S Douglas Blvd #110 Midwest City, OK 73130 | (405) 736-0800 | — | 4.8 |
| 2723 S I-35 Service Rd Moore, OK 73160 | (405) 793-7500 | — | 4.9 |
| Continental Finance 4611 SE 29th St Del City, OK 73115 | (405) 672-0841 | — | 4.7 |
| 6054 S Western Ave Oklahoma City, OK 73139 | (405) 632-4111 | — | 4.9 |
| 6726 Northwest Expy Oklahoma City, OK 73132 | (405) 495-5626 | — | 5.0 |
| 12108 S Pennsylvania Ave Ste 500 Oklahoma City, OK 73170 | (405) 691-8073 | — | 4.0 |
| 1405 S Douglas Blvd STE A Midwest City, OK 73130 | (405) 741-6600 | — | 4.5 |
| 2524 W Memorial Rd Oklahoma City, OK 73134 | (405) 755-7103 | — | 4.2 |
| 7927 N May Ave Oklahoma City, OK 73120 | (405) 848-7736 | — | 3.7 |
| 232 S. Air Depot Blvd., Ste. A Midwest City, OK 73110 | (405) 737-8300 | Mon–Fri 9:00 AM – 5:30 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 838 NW 12th St. Moore, OK 73160 | (405) 790-0633 | Mon–Fri 9:00 AM – 5:30 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 9300 N. May Ave., Ste. 100 Oklahoma City, OK 73120 | (405) 752-7524 | Mon–Fri 9:00 AM – 5:30 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 2613 N MacArthur Blvd Oklahoma City, OK 73127 | (405) 789-3020 | — | 4.3 |
| 639-A NW 7th St Moore, OK 73160 | (405) 794-4444 | — | 4.8 |
| 7390 S Walker Ave Suite E Oklahoma City, OK 73139 | (405) 616-5812 | — | 4.1 |
| 1200 S Air Depot Blvd Ste V Midwest City, OK 73110 | (405) 737-5000 | — | 4.8 |
| 2713 SW 29th St Ste 5 Oklahoma City, OK 73119 | (405) 308-4712 | — | 4.8 |
| 6028 S Western Ave Oklahoma City, OK 73139 | (405) 213-0514 | — | 4.9 |
| Shamrock Finance 312 N Broadway Ave Moore, OK 73160 | (405) 793-1411 | — | 4.6 |
| Shamrock Finance 4531 SE 29th St Del City, OK 73115 | (405) 672-2336 | — | 4.8 |
| Shamrock Finance 7804 S Western Ave Oklahoma City, OK 73139 | (405) 688-0000 | — | 4.8 |
| 1800 S Air Depot Blvd Midwest City, OK 73110 | (405) 733-0400 | — | 4.4 |
| 3623 NW 39th St Oklahoma City, OK 73112 | (405) 917-5178 | — | 4.4 |
| 5912A SE 15th St Oklahoma City, OK 73110 | (405) 694-4024 | — | 4.8 |
| 825 SW 19th St #10 Moore, OK 73160 | (405) 666-5145 | — | 5.0 |
| 6815 N May Ave Oklahoma City, OK 73116 | (405) 949-0912 | — | 4.9 |
Fast & secure payday loans in Oklahoma City, Oklahoma
Unexpected expenses can happen anytime. If you need urgent cash in Oklahoma City, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Oklahoma City residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Oklahoma Deferred Deposit Lending Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Oklahoma City residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Oklahoma law (Oklahoma Deferred Deposit Lending Act). Always review the contract terms carefully before signing.
Oklahoma City payday loan FAQ
How much cash can I borrow in Oklahoma City?
Loan amounts in Oklahoma City are typically from $100 up to $500, in line with Oklahoma lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Oklahoma City to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Oklahoma City with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Oklahoma City?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Oklahoma City residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Oklahoma City or the surrounding Oklahoma area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).