Personal loans in Bixby, OK
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bixby, OK.
The median household in Bixby earns $104,404 a year, 61% above the Oklahoma median of $65,039. About 6% of residents live below the federal poverty line, and 24.0% of households rent their home.
Oklahoma law that applies in Bixby
| 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 Bixby
Lenders that serve Bixby 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 Bixby
What Bixby borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Bixby
- 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 Bixby
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Mabrey Bank | 2 | 14821 S Memorial Dr, Bixby 74008 |
| MidFirst Bank | 1 | 11122 S Memorial Dr, Bixby 74008 |
| BOKF, National Association | 1 | 12052 S Memorial Dr, Bixby 74008 |
| Armstrong Bank | 1 | 13112 S Memorial Dr, Bixby 74008 |
| International Bank of Commerce | 1 | 11886 S Memorial Dr, Bixby 74008 |
| Patrons Bank, National Association | 1 | 12340 S Memorial Dr, Bixby 74008 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bixby
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Ttcu | 13475 S Memorial Dr, Bixby 74008 |
| Communication | 11894 S Memorial Dr, Bixby 74008 |
| Western Sun | 11709 S Memorial Dr, Bixby 74008 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Tulsa County · Wagoner County ·
Frequently asked questions
Can I get a personal loan with bad credit in Bixby?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oklahoma, including Bixby. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bixby, OK?
Supervised loans: about 32% plus fed funds rate (tiered); small loans: 17% monthly.
How fast can I get a personal loan in Bixby?
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 a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Can I get a personal loan in Bixby 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. Bixby residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get an emergency loan with bad credit in Bixby?
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. Bixby residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Bixby?
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 Bixby?
You can apply at local banks and lenders in Bixby, 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 Bixby?
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.