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Compare short-term loans in Tulsa

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


Editor's choice: OppLoans Installment Loans

  • Easy online application
  • Quick approval
  • Long repayment terms
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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.

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

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Name Product Filter Values Loan amount Turnaround time Requirements
MaxLend Installment Loans
Up to $2,500
As soon as the next business day
Must be at least 18 years old and a US citizen, have a valid bank account and provide a verifiable source of income.
Get up to $1,000 as a first-timer, with loans of up to $2,000 and lower APRs for repeat borrowers.
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
$100 to $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.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$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.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
Fig Loans Installment Loans
$200 to $800, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.

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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