Loans in Garfield County, OK: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Garfield County, OK.
The median household in Garfield County earns $66,182 a year, about the same as the Oklahoma median of $65,039. About 12% of residents live below the federal poverty line, and 34.0% of households rent their home.
What you need for a personal loan in Garfield County
Here's what to have on hand before you start your personal loan request in Garfield County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Garfield County
What Garfield County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Garfield County
Payday Loans Not available
Traditional payday loans (deferred deposit loans) ended in Oklahoma when all Deferred Deposit Lending Act licenses were terminated on August 1, 2020.
Personal Loans
Supervised loans: about 32% plus fed funds rate (tiered); small loans: 17% monthly.
Title Loans Limited
Oklahoma has no separate title-loan law, and Small Lenders Act loans must be unsecured.
Banks and credit unions in Garfield County
Banks with branches in Garfield County
22 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Cowboy Bank | 4 | 102 6th St, Kremlin 73753 |
| Stride Bank, National Association | 3 | 324 W Broadway Ave, Enid 73701 |
| The Security National Bank of Enid | 3 | 100 S Independence St, Enid 73701 |
| ACB Bank | 2 | 323 Main St, Garber 73738 |
| BOKF, National Association | 1 | 2308 N Van Buren St, Enid 73703 |
| Equity Bank | 1 | 3202 W Owen K Garriott Rd, Enid 73703 |
| First Bank & Trust Company | 1 | 4th And Main Streets, Covington 73730 |
| InterBank | 1 | 510 North Commerce, Enid 73703 |
| BMO Bank National Association | 1 | 701 W Broadway Ave, Enid 73701 |
| Wisdom Heritage Bank | 1 | 801 W Broadway Ave, Enid 73701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Garfield County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Tinker | 801 S Oakwood Rd, Enid 73703 |
| Communication | 2021 W Owen K Garriott Rd, Enid 73703 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Garfield County
All Oklahoma counties and cities
Frequently asked questions
Are payday loans legal in Garfield County?
Garfield County follows Oklahoma law. Traditional payday loans (deferred deposit loans) ended in Oklahoma when all Deferred Deposit Lending Act licenses were terminated on August 1, 2020.
Are title loans legal in Garfield County?
Oklahoma has no separate title-loan law, and Small Lenders Act loans must be unsecured.
Where can I get a small loan in Garfield County?
Options include 22 bank and 3 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Garfield County?
Fill out our short online form from anywhere in Garfield County. We share it with lenders in our network that serve Oklahoma; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Garfield County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Garfield County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Garfield County, OK?
You can apply at banks, credit unions and lenders in Garfield County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Oklahoma residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Garfield County with bad credit?
Yes, many lenders in our network work with Garfield County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Garfield County?
Yes. You don't need to visit a branch or storefront anywhere in Garfield County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Oklahoma. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.