Personal loans in Bartlesville, OK
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bartlesville, OK.
The median household in Bartlesville earns $58,869 a year, 9% below the Oklahoma median of $65,039. About 17% of residents live below the federal poverty line, and 31.8% of households rent their home.
Oklahoma law that applies in Bartlesville
| Rate cap | Supervised loans: the greater of the tiered rate (32% plus the federal funds rate on the first $7,000, then 23% and 20% plus the federal funds rate on higher tiers) or 25% plus the federal funds rate, plus a closing fee. |
|---|---|
| License required | Yes. |
| Loan sizes covered | The supervised loan rate tiers cover all loan sizes. |
Full rules with statute citations: Personal Loans in Oklahoma. Cities in Oklahoma cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Bartlesville
Most Bartlesville 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 Bartlesville
What Bartlesville borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Bartlesville
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Bartlesville
13 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 | 4 | 100 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 |
| BancFirst | 1 | 300 Se Frank Phillips Blvd, Bartlesville 74003 |
| 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 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bartlesville
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.
Nearby cities
County: Washington County · Osage County ·
Frequently asked questions
Can I get a personal loan with bad credit in Bartlesville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oklahoma, including Bartlesville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bartlesville, OK?
Supervised loans: about 32% plus fed funds rate (tiered); small loans: 17% monthly.
How fast can I get a personal loan in Bartlesville?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get an emergency loan with bad credit in Bartlesville?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Bartlesville residents can see if they qualify in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Bartlesville with our free 3-minute form.
Can I get a personal loan in Bartlesville with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Bartlesville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Bartlesville?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Where can I find a loan for bad credit in Bartlesville?
You can apply at local banks and lenders in Bartlesville, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Do I need to visit a store in Bartlesville?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.