Compare payday loans in Tulsa | finder.com
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Compare short-term loans in Tulsa

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Where to find a lender near you, and what you need to apply.

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.
LendYou Short-term Loans

For fast cash: LendYou

Find a lender that offers cash advances between $100 and $15,000.

  • Min. Loan Amount: $100
  • Max. Loan Amount: $15,000
  • Turnaround Time: 1 business day
  • Must have regular income of $1,000/month and be a US citizen or permanent resident
  • No collateral needed
  • Bad credit is OK

    Can I get a payday loan in Tulsa, Oklahoma?

    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:

    • Maximum loan: $500
    • Maximum finance charges: $15 for every $100 borrowed on loans up to $300, decreasing to $10 for every $100 borrowed beyond the initial $300
    • Terms: 12 to 45 days
    • Renewals: None

    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.

    Here are some short-term lenders you might want to look into

    Rates last updated March 26th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.

    Compare up to 4 providers

    What do I need to apply?

    While requirements vary by lender, you typically need to meet the following criteria to get a payday loan in Tulsa, Oklahoma:

    • Have a steady source of income. Some lenders might require you to have a job, while others just want to see you have enough money coming in to repay your loan.
    • Have a bank account. While a handful of lenders might not require a bank account, most do.
    • Be a US citizen or permanent resident. Most short-term loan options in Tulsa aren’t available to nonresidents — though there are other options.

    When you apply, lenders often ask for the following information and documents:

    • State-issued ID. Typically, you’ll need to provide an up-to-date driver’s license or other government-issued ID.
    • Blank check. Some lenders might ask for payment in the form of a post-dated check.
    • Proof of income. You might have to provide your most recent pay stubs or bank statements to show you can afford to repay the loan.
    • Contact information. Lenders generally ask for a working phone number, email address and mailing address when you apply.

    Where to find short-term loan locations in Tulsa

    Short-term loan locations near me in Tulsa, OK

    • ACE Cash Express. 6005 S Peoria Ave, Tulsa, OK 74136
    • Southern Finance. 026 S Memorial Dr, Tulsa, OK 74145
    • American Loans of Tusla. 614 S Main St, Tulsa, OK 74119
    • Check Into Cash 2621 Oswell St #109, Bakersfield, CA 93306
    • Best Loan Service. 1503 S Sheridan Rd, Tulsa, OK 74112
    • Advance America.7037 S Memorial Dr, Tulsa, OK 74133,

    Beware of high APRs

    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.

    Bottom line

    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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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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