Payday Loans in Calumet, Oklahoma

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

Company nameAddressZip codePhone number
Equity Bank 204 NW 4th St, Guymon, OK 73942 +1 (580) 338 - 6561
Americash Loans 5051 S Yale Ave B, Tulsa, OK 74135 +1 (918) 665 - 7000
Monarch Financial Services Corporation 406 S Boulder Ave 400, Tulsa, OK 74103 +1 (405) 445 - 7781
Covington Credit 3957 OK-97, Sand Springs, OK 74063 +1 (918) 246 - 9978
Check `n Go 2340 NW 23rd St Suite A, Oklahoma City, OK 73107 +1 (405) 525 - 3990
Sun Loan Company 231 W Main St, Ardmore, OK 73401 +1 (580) 223 - 7303
ACE Cash Express 900 S Broadway, Edmond, OK 73034 +1 (405) 348 - 2274
Banner Finance of Durant 1009 W Main St, Durant, OK 74701 +1 (580) 924 - 5400
First Citizens Bank 4501 W Memorial Rd, Oklahoma City, OK 73142 +1 (405) 302 - 2700
Ardmore Finance Inc 708 SE Frank Phillips Blvd, Bartlesville, OK 74003 +1 (918) 337 - 3700

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Calumet, OK, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Lawton, OK, 24-Hour Loan in Muskogee, OK, Bad Credit Loans in Norman, OK, Payday Loan Companies in Oklahoma City, OK, Payday Loans in Owasso, OK, Payday Loans in Shawnee, OK, Payday Loans in Stillwater, OK and Online Loans in Tulsa, 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 Calumet, OK.

Beautiful sights of Calumet, OK

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

73014

Are Payday Loans Legal In Calumet, 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

Calumet, OK payday loan calculator

Payday Loans in Calumet, Oklahoma

Payday loans are a form of short-term lending that has become increasingly popular in the United States. They are designed to provide borrowers with quick access to cash, with the understanding that the loan will be repaid in full along with any fees or interest charges within a short period of time, usually two to four weeks.

In Calumet, Oklahoma, payday loans are legal, and are regulated by the Oklahoma Department of Consumer Credit. However, borrowers should be aware of the risks associated with payday loans and understand the laws that govern lending practices in the state.

How Payday Loans Work

Payday loans are typically small-dollar loans, ranging from $100 to $1,000. To qualify for a payday loan in Calumet, Oklahoma, borrowers must have a steady income and a bank account. They must also be at least 18 years old and a resident of the state.

To apply for a payday loan, borrowers are required to submit personal information, such as their name, address, and employment details. They must also provide proof of income, such as a pay stub or bank statement. Once the application is approved, the funds are typically deposited into the borrower’s bank account within one business day.

The borrower is then required to repay the loan, along with any fees or interest charged by the lender, on their next payday. If the borrower is unable to repay the loan in full, they can request an extension, but this will incur additional fees.

Risks Associated with Payday Loans

While payday loans can provide quick access to cash, they come with high fees and interest rates, which can make them difficult for borrowers to repay. In fact, the Consumer Financial Protection Bureau has found that the average payday loan borrower takes out 10 loans in a year, and spends nearly 200 days in debt.

Borrowers should also be aware of the risks associated with predatory lending practices. Some lenders may employ aggressive tactics to collect on a loan, such as harassing phone calls and threats of legal action. In addition, some lenders may charge fees that are not disclosed up front, or may offer loans with terms that are designed to trap the borrower in a cycle of debt.

It is important for borrowers to carefully review the terms of a loan before applying, and to consider alternative forms of borrowing, such as personal loans or credit cards, if they are unable to repay the loan in full on the due date.

The Law in Calumet, Oklahoma

Payday lending is legal in Calumet, Oklahoma, and is regulated by the Oklahoma Department of Consumer Credit. The state has enacted laws that provide some protections for borrowers, including a cap on the amount of fees that can be charged and a requirement that lenders provide borrowers with a repayment plan.

However, some critics argue that these protections are not strong enough to prevent predatory lending practices. In fact, Oklahoma has been identified as one of the top 10 states with the highest concentration of payday lenders per capita, according to the Center for Responsible Lending.

Interesting Facts and Statistics

  • According to a report by the Pew Charitable Trusts, approximately 1 in 8 Oklahoma adults have taken out a payday loan at some point.
  • The average payday loan in Oklahoma is $391, with an average annual interest rate of 391%.
  • Borrowers in Oklahoma spend more than $52 million annually in payday loan fees.
  • According to the Center for Responsible Lending, payday loan borrowers in Oklahoma are more likely to go bankrupt than other borrowers.

Apply Now

If you are in need of a payday loan in Calumet, Oklahoma, TheGuaranteedLoans can help connect you with potential lenders. It is important to remember that we are a connector service, and not a direct lender. We work with a network of reputable lenders to help you find the best loan for your needs.

Our online application process is quick and easy, and you can receive a decision within minutes. Simply fill out our online application form and we will match you with potential lenders. If you are approved, you could receive the funds as soon as the next business day.

Apply now and take the first step toward getting the cash you need.

F.A.Q.

Can I renew or rollover a payday loan in Calumet, Oklahoma?

No, in Calumet, Oklahoma payday loans cannot be renewed or rolled over.

What fees and interest rates are associated with payday loans in Calumet, Oklahoma?

The fees and interest rates associated with payday loans in Calumet, Oklahoma are determined by the lender and are subject to state regulations.