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If you need money fast and have limited options, you can borrow up to $500 by taking out a payday loan in Tulsa, Oklahoma. But it won’t be cheap — APRs can easily top 400%, even with state protections. And you’ll want to make sure you’re working with a licensed lender before applying.
Yes, you can get a payday loan in Tulsa, Oklahoma either online or at a storefront. However, the state has laws in place to protect borrowers. Here’s what you can expect:
All lenders must be licensed according to Oklahoma state law, which makes it easier to tell if they’re legit. You can read more about how payday loans work in Oklahoma by checking out our guide.
While requirements vary by lender, you typically need to meet the following criteria to get a payday loan in Tulsa, Oklahoma:
When you apply, lenders often ask for the following information and documents:
Even though Oklahoma’s maximum finance fees are similar to what you’ll find in other states that regulate payday loans, they can still get expensive. A $45 fee on a $300 payday loan with a 12-day term translates to a 456% APR.
While it might not seem like much for a 12-day term, it’s a lot more expensive than other options like payday alternative loans offered by federal credit unions — these have APRs capped at 18%. If you’re not in a rush, you might want to look into alternatives before visiting a payday lender.
Payday loans are available in Tulsa, but those triple-digit APRs can make borrowing expensive. And you also aren’t allowed to renew your loan, which means you can’t buy more time the way you can in other cities.
Want to know more about how short-term loans work? Read our guide to payday loans.
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