Loans in Washington County, OK: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, OK.
The median household in Washington County earns $60,162 a year, 7% below the Oklahoma median of $65,039. About 16% of residents live below the federal poverty line, and 28.1% of households rent their home. 10.3% of households have no home internet; our form works on any phone.
What you need for a personal loan in Washington County
Lenders that serve Washington 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 Washington County
What Washington County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
16 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Arvest Bank | 6 | 100 Se Frank Phillips Blvd, Bartlesville 74003 |
| BancFirst | 2 | 300 Se Frank Phillips Blvd, Bartlesville 74003 |
| BOKF, National Association | 1 | 3815 E Frank Phillips Blvd, Bartlesville 74006 |
| American Heritage Bank | 1 | 3309 E Frank Phillips Blvd, Bartlesville 74006 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1 | 4000 Se Green Country Rd, Bartlesville 74006 |
| RCB Bank | 1 | 4224 Se Adams Rd, Bartlesville 74006 |
| Stride Bank, National Association | 1 | 1902 Se Washington Blvd, Bartlesville 74006 |
| Armstrong Bank | 1 | 1701 Se Washington Blvd, Bartlesville 74006 |
| Union State Bank | 1 | 4110 Nowata Rd, Bartlesville 74006 |
| Gateway First Bank | 1 | 422 S Dewey Ave, Bartlesville 74003 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Truity | 2612 Se Washington Blvd, Bartlesville 74006 |
| Ok | 3900 Se Adams Rd, Bartlesville 74006 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Washington County
All Oklahoma counties and cities
Frequently asked questions
Are payday loans legal in Washington County?
Washington 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 Washington County?
Oklahoma has no separate title-loan law, and Small Lenders Act loans must be unsecured.
Where can I get a small loan in Washington County?
Options include 16 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 Washington County?
Fill out our short online form from anywhere in Washington 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.
Where can I get a loan in Washington County, OK?
You can apply at banks, credit unions and lenders in Washington 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 Washington 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. Washington County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Washington County with bad credit?
Yes, many lenders in our network work with Washington 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 Washington County?
Yes. You don't need to visit a branch or storefront anywhere in Washington 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.