Loans in Kay County, OK: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kay County, OK.
The median household in Kay County earns $58,423 a year, 10% below the Oklahoma median of $65,039. About 16% of residents live below the federal poverty line, and 30.8% of households rent their home. 11.4% of households have no home internet; our form works on any phone.
What you need for a personal loan in Kay County
Most Kay County applicants can finish in one sitting if they have these ready:
- 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 Kay County
What Kay County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Kay 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 Kay County
Banks with branches in Kay County
19 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| RCB Bank | 5 | 1223 E Highland Ave, Ponca City 74601 |
| Equity Bank | 4 | 102 S Main St, Newkirk 74647 |
| BancFirst | 2 | 101 N Main St, Blackwell 74631 |
| Gateway First Bank | 2 | 111 E Grand Ave, Tonkawa 74653 |
| First National Bank of Oklahoma | 2 | 101 W Grand Ave, Tonkawa 74653 |
| Community National Bank & Trust | 2 | 709 E Prospect Ave, Ponca City 74601 |
| Stride Bank, National Association | 1 | 722 W Doolin Ave, Blackwell 74631 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1 | 1101 E Prospect Ave, Ponca City 74601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kay County
3 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Cherokee Strip | 1508 E Prospect Ave, Ponca City 74604 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Kay County
All Oklahoma counties and cities
Frequently asked questions
Are payday loans legal in Kay County?
Kay 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 Kay County?
Oklahoma has no separate title-loan law, and Small Lenders Act loans must be unsecured.
Where can I get a small loan in Kay County?
Options include 19 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 Kay County?
Fill out our short online form from anywhere in Kay 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 Kay 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. Kay County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Kay County with bad credit?
Yes, many lenders in our network work with Kay 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.
Where can I get a loan in Kay County, OK?
You can apply at banks, credit unions and lenders in Kay 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 an emergency loan in Kay County?
Yes. When an unexpected bill comes up, Kay County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.