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Compare your loan options in Oklahoma

If you need money to cover an emergency expense, a payday loan could help you in Oklahoma

Even if you don’t have the most perfect credit, you may still have access to short-term loan options like a payday loan. Although they can be quite expensive, if you’re stuck in a tough financial situation, they could be a quick way to get out of trouble.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    Can I get a payday loan in Oklahoma?

    Yes. Payday loans are legal in Oklahoma under the Oklahoma Deferred Deposit Lending Act (Oklahoma Statutes Title 59 §§ 3101 et seq.), which governs the functioning of all payday lenders in the state. These laws apply to all payday loans provided through storefront and online lenders.

    • Maximum loan amount: $500
    • Loan term: 12 to 45
    • Outstanding loans: 2
    • Rollovers: None

    If you change your mind, you can cancel the loan agreement by 5 p.m. on the following business day.

    Payday lenders you may want to consider

    Check the websites of any providers you’re interested in to confirm they operate in Oklahoma.

    Rates last updated November 20th, 2017
    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 Maximum Loan Amount Term of Loan Turnaround Time Requirements
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    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.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    ACE Cash Express Payday Loans
    Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
    Varies by state
    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.

    Compare up to 4 providers

    How much does taking out a payday loan in Oklahoma cost?

    All payday loans will cost money, but Oklahoma law sets the upper limit lenders can charge.

    • Financing fee, $0 to $300: $15 per $100
    • Financing fee, $301 to $500: $10 per $100
    • APR: A 14-day $100 loan has an APR of 390%
    • Collection fees: $25 non-sufficient funds (NSF) fee

    How can I apply for a payday loan?

    Before you apply for a payday loan, you’ll need to be at least 18 years old, have a regular source of income and be a citizen or permanent resident of the US.

    If you are, then you’ll need to submit some personal information on your application.

    • Your name, date of birth, social security number and a valid form of ID such as your driver’s license or passport
    • Your residential address, email address and phone number
    • Your employment and income
    • If you’re applying online, details of your existing checking account

    What else should I consider besides a payday loan?

    Although a payday loan might be a good short-term solution to your financil troubles, there are other ways to deal with long-term problems. Oklahoma has programs like Temporary Assistance for Needy Families (TANF), Supplemental Nutrition Assistance Program (SNAP) and Low-Income Home Energy Assistance Program (LIHEAP) that can help you pay for your daily bills.

    If you’re thinking about taking out other kinds of loans, here are some additional options

    Bottom line

    If you’re looking into a payday loan, Oklahoma has decent regulations in place to protect you from having to pay excessive fines. Be sure to read your loan terms before you sign to be sure your lender is abiding by the law.

    Have any more questions about Oklahoma payday loans?

    You should get in touch with the Oklahoma Department of Consumer Credit.

    A rollover or loan refinance is when you take out a new loan to pay back an old one. Oklahoma law doesn’t allow for this and specifies that any loan made within 13 days is considered a rollover.

    Yes. Oklahoma law allows you to request a repayment plan after your third consecutive loan. You can pay back your outstanding balance in four equal installments, but you will have to pay a fee of 10%, up to $15.

    Yes. After five consecutive loans, you’re required to wait a full business day before taking out another.

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    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

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

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