Payday Loans in Albany, Oklahoma

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No payday loan companies in Albany, OK. Consider companies in other cities:

Company nameAddressZip codePhone number
Covington Credit 512 SE Washington Blvd, Bartlesville, OK 74006 +1 (918) 336 - 7400
Cash N Go 479149 Old U.S. 64, Roland, OK 74954 +1 (918) 427 - 6830
Armstrong Bank 102 E Schley St, Vian, OK 74962 +1 (918) 773 - 5255
Advance America 1930 W Gary Blvd, Clinton, OK 73601 +1 (580) 323 - 1394
Tower Loans 1609 SW 59th St, Oklahoma City, OK 73119 +1 (405) 681 - 0909
Fast And Easy Payday Loans 417 W 7th St, Tulsa, OK 74119 +1 (800) 457 - 9529
Tower Loan 215 SE Frank Phillips Blvd, Bartlesville, OK 74003 +1 (918) 337 - 3685
Farmers Insurance - William Cocke 137 E Main St 1/2, Wilburton, OK 74578 +1 (918) 465 - 5748
Local Finance 123 E Grand Ave, Ponca City, OK 74601 +1 (580) 765 - 1600
Correctional Workers Fed Credit Un 406 Reformatory Cir, El Reno, OK 73036 +1 (405) 262 - 1291

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Albany, OK, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Owasso, OK, Payday Loans in Shawnee, OK, Payday Loans in Stillwater, OK, Guaranteed Loans in Tulsa, OK, Payday Loan Without a Credit Check in Bartlesville, OK, Payday Loans in Broken Arrow, OK, Guaranteed Loans in Edmond, OK and Payday Loan for Enid, OK. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Albany, OK.

Beautiful sights of Albany, OK

Payday Loans Available in Albany, OK By The Following ZIP Codes:

74721

Are Payday Loans Legal In Albany, Oklahoma?

Loan Rates and Fees, Laws and Regulations in Oklahoma.

Oklahoma Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)395
Maximum Loan Amount$500
Minimum Loan Term12 days
Maximum Loan Term45 days
Number of Rollovers AllowedNot specified
Finance Charges<$300 = $15 >$300 = $10 for every additional $100

Albany, OK payday loan calculator

In Albany, Oklahoma, payday loans are a legal and popular way for people to access quick cash when they need it. Payday loans are short-term loans that are meant to be repaid with the borrower’s next paycheck. These loans are typically issued in small amounts and come with high interest rates and fees.

How Payday Loans Work in Albany, Oklahoma

To obtain a payday loan in Albany, Oklahoma, a borrower typically needs to provide proof of income (such as a pay stub), a valid ID, and a checking account. Once the lender verifies the borrower’s information, they can issue the loan. The borrower must sign an agreement that outlines the loan terms, including the repayment period.

When the loan is due, the borrower must repay the full amount of the loan plus any fees and interest. If they are unable to do so, they may be able to roll over the loan by paying additional fees to extend the repayment period.

What Are the Fees and Interest Rates for Payday Loans in Albany, Oklahoma?

In Oklahoma, payday lenders can charge up to $65 in fees for a loan of $500 or less. For loans over $500, the lender can charge an additional 1% fee per day. This means that if a borrower takes out a $500 loan and extends it for two weeks, they could end up paying over $100 in fees alone.

Payday lenders in Oklahoma are also allowed to charge interest rates of up to 390% APR (annual percentage rate). This high interest rate can quickly add up, making it difficult for borrowers to repay the loan.

Who Uses Payday Loans in Albany, Oklahoma?

Payday loans are often used by people who are in dire financial situations and have limited options for obtaining credit. According to a study by the Consumer Financial Protection Bureau, the majority of payday loan borrowers have low incomes and limited access to credit.

However, payday loans can also be appealing to people who need quick cash but don’t have the time or credit score to apply for a traditional loan. For example, someone who needs to pay an unexpected medical bill or repair a car might turn to a payday loan to get the money they need quickly.

Interesting Facts and Statistics about Payday Loans in Albany, Oklahoma

  • The average payday loan in Oklahoma is $394, and the average length of the loan is 16 days.
  • Over 75% of payday loans in Oklahoma are taken out by borrowers who take out at least 10 loans per year.
  • Oklahoma has the highest payday loan usage rate in the country, with 13% of adults using payday loans at least once per year.

Apply Now for a Payday Loan in Albany, Oklahoma

If you need a payday loan in Albany, Oklahoma, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application and we will match you with lenders who may be able to offer you a loan. Keep in mind that TheGuaranteedLoans is not a direct lender, but rather a connector service that helps borrowers connect with potential lenders.

To apply for a payday loan through TheGuaranteedLoans, you will need to provide some basic information, such as your name, address, and employment information. Once you submit your application, we will match you with lenders who may be able to offer you a loan. You can then review the loan terms and decide whether to accept the offer.

Conclusion

If you need quick cash in Albany, Oklahoma, a payday loan can be an option to consider. However, it’s important to be aware of the high fees and interest rates associated with these loans, as well as the potential for getting stuck in a cycle of debt. Make sure you fully understand the loan terms and only borrow what you can afford to repay. If you’re ready to apply for a payday loan in Albany, Oklahoma, visit TheGuaranteedLoans website now to get started.

F.A.Q.

Are there any restrictions on the use of payday loan funds in Albany, Oklahoma?

Yes, in Albany, Oklahoma payday loan funds must be used for a legitimate purpose and cannot be used for illegal activities or to pay off existing payday loans.

Is there a limit on the number of payday loans a borrower can have at one time in Albany, Oklahoma?

Yes, in Albany, Oklahoma a borrower can only have one payday loan at a time.