Loans in Oklahoma County, OK: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Oklahoma County, OK.
The median household in Oklahoma County earns $66,679 a year, about the same as the Oklahoma median of $65,039. About 16% of residents live below the federal poverty line, and 41.8% of households rent their home.
What you need for a personal loan in Oklahoma County
Lenders that serve Oklahoma County typically ask for the following:
- 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 Oklahoma County
What Oklahoma County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Oklahoma 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 Oklahoma County
Banks with branches in Oklahoma County
236 FDIC-insured bank branches from 61 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BancFirst | 23 | 9285 N Hiwassee Rd, Jones 73049 |
| MidFirst Bank | 20 | 501 Nw Grand Blvd, Oklahoma City 73118 |
| JPMorgan Chase Bank, National Association | 13 | 2200 N Western Ave, Oklahoma City 73106 |
| First Fidelity Bank | 13 | 700 Sw 29th St, Oklahoma City 73109 |
| BOKF, National Association | 12 | 499 W Sheridan Ave, Oklahoma City 73102 |
| Arvest Bank | 10 | 3900 N Lincoln Blvd, Oklahoma City 73105 |
| International Bank of Commerce | 10 | 2200 S Douglas Blvd, Midwest City 73130 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 10 | 1500 Sw 59th St, Oklahoma City 73119 |
| Prosperity Bank | 8 | 3333 Nw Expressway, Oklahoma City 73112 |
| Bank of America, National Association | 7 | 2701 S Harvey Ave, Oklahoma City 73109 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Oklahoma County
87 credit-union locations from 21 credit unions.
| Credit union | Location |
|---|---|
| Tinker | 1401 N Kelly Ave, Edmond 73003 |
| Oklahoma'S | 200 Ne 21St St, Oklahoma City 73105 |
| U. S. Employees O. C. | 4301 S Interstate 44 Service Rd, Oklahoma City 73119 |
| Navy Federal Credit Union | 13100 N Pennsylvania Ave Ste B, Oklahoma City 73120 |
| Ttcu | 925 Covell Village Drive, Edmond 73003 |
| Advancial | 3416 S Bryant Ave Ste 130, Edmond 73013 |
| Communication | 427 Nw 6Th St, Oklahoma City 73102 |
| Weokie | 8100 W Reno Ave, Oklahoma City 73127 |
| Farmers Insurance | 7340 W Memorial Rd, Oklahoma City 73142 |
| True Sky | 3805 S Western Ave, Oklahoma City 73109 |
| Allegiance | 4235 N Meridian Ave, Oklahoma City 73112 |
| The Focus | 420 Ne 10Th St, Oklahoma City 73104 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Oklahoma County
All Oklahoma counties and cities
Frequently asked questions
Are payday loans legal in Oklahoma County?
Oklahoma 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 Oklahoma County?
Oklahoma has no separate title-loan law, and Small Lenders Act loans must be unsecured.
Where can I get a small loan in Oklahoma County?
Options include 236 bank and 87 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 Oklahoma County?
Fill out our short online form from anywhere in Oklahoma 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 Oklahoma County with bad credit?
Yes, many lenders in our network work with Oklahoma 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 get a loan in Oklahoma 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. Oklahoma County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Oklahoma County?
Yes. You don't need to visit a branch or storefront anywhere in Oklahoma 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.
Where can I get a loan in Oklahoma County, OK?
You can apply at banks, credit unions and lenders in Oklahoma 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.