Compare short-term loans in Tulsa

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

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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.

Our top pick: Fast5kLoans Short-term Loans Connection Service

  • Min. Loan Amount: $100
  • Max. Loan Amount: $35,000
  • Turnaround Time: As soon as the next business day
  • Loan Term: 6 months to 6 years
  • Requirements: Regular source of income, verifiable bank account, US citizen, ages 18+
  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process

Our top pick: Fast5kLoans Short-term Loans Connection Service

Get connected with multiple lenders you might qualify with — even if you have bad credit.

  • Min. Loan Amount: $100
  • Max. Loan Amount: $35,000
  • Turnaround Time: As soon as the next business day
  • Loan Term: 6 months to 6 years
  • Requirements: Regular source of income, verifiable bank account, US citizen, ages 18+
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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

Updated October 20th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$1,200
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$5,000
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
$2,600
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
$50,000
Same business day to 1 business days
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$10,000
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

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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