Payday Loans in Dacoma, Oklahoma

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

Company nameAddressZip codePhone number
Red River Credit Corporation 124 W Main St, Ardmore, OK 73401 +1 (580) 223 - 2010
Red Door Events 305 W Main St, Durant, OK 74701 +1 (580) 924 - 4343
First State Bank of Anadarko 100 Main St, Gracemont, OK 73042 +1 (405) 966 - 2222
A-Friendly Loan Co 601 N Hinckley St 1/2, Holdenville, OK 74848 +1 (405) 379 - 5477
Eagle Lending LLC 303A S Mickey Mantle Blvd, Commerce, OK 74339 +1 (918) 675 - 4090
Cashland 2312A W Owen K Garriott Rd, Enid, OK 73701 +1 (580) 234 - 4447
ProMortgage Associates, Inc. 2114 SE Washington Blvd, Bartlesville, OK 74006 +1 (918) 335 - 7735
Tinker Federal Credit Union City of Stillwater - Mask Mandate 5101 W 6th Ave, Stillwater, OK 74074 +1 (405) 707 - 7440
Bell Finance Atoka 601 S Mississippi Ave c, Atoka, OK 74525 +1 (580) 364 - 0616
American Bank of Oklahoma 1525 W Rogers Blvd, Skiatook, OK 74070 +1 (800) 371 - 2595

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dacoma, OK, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Owasso, OK, Payday Loans in Shawnee, OK, Payday Loans in Stillwater, OK, Online Loans in Tulsa, OK, No Credit Check Loans in Bartlesville, OK, Payday Loans in Broken Arrow, OK, Payday Loans in Edmond, OK and Payday Loans in 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 Dacoma, OK.

Beautiful sights of Dacoma, OK

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

73731

Are Payday Loans Legal In Dacoma, 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

Dacoma, OK payday loan calculator

Payday Loans in Dacoma, Oklahoma

Are you struggling to make ends meet and need a quick financial solution? Payday loans may be the answer. In Oklahoma, payday loans are legal and regulated by the Oklahoma Deferred Deposit Lending Act. In Dacoma, residents can find a variety of payday loan lenders that can offer quick cash loans to those in need.

What are Payday Loans?

Payday loans are short-term, high-interest loans that are designed to help individuals cover unexpected expenses until their next paycheck. These loans typically have a repayment term of two weeks to a month and can range from a few hundred to a few thousand dollars. While payday loans can be a lifeline for those in need of quick cash, they can also be risky due to their high-interest rates.

The Application Process

Applying for a payday loan in Dacoma, Oklahoma is a straightforward process. Generally, you will need to provide proof of income, a valid ID, and a checking account to the lender. Most lenders will require you to fill out a short application form either online or in-person. After submitting your application, you will typically receive a decision within a few hours.

Payday Loan Regulations in Dacoma, Oklahoma

While payday loans are legal in Oklahoma, they are regulated to protect consumers. The maximum amount you can borrow is $500, and the loan term cannot exceed 45 days. Lenders are also required to disclose the interest rates and fees upfront and cannot charge more than $15 in fees for every $100 borrowed. Additionally, borrowers have the right to cancel their payday loan within one business day of signing the agreement without incurring any fees.

Repayment and Fees

Repaying your payday loan is an important step in maintaining your financial health. Most lenders will require you to provide a post-dated check or ACH authorization for the full amount plus interest and fees. If you are unable to repay the loan in full on the due date, you may be charged additional fees and interest and may even face legal action.

Benefits and Risks of Payday Loans

Payday loans can provide quick cash to those in need, but they come with risks. The high-interest rates and short repayment terms can trap borrowers in a cycle of debt. It is important to only borrow what you can afford to repay and to use payday loans as a short-term solution to financial emergencies.

Interesting Facts and Statistics about Payday Loans in Dacoma, Oklahoma

  • The average APR on a payday loan in Oklahoma is 390%
  • Oklahoma had the highest payday loan usage rate in the nation in 2019
  • According to the Center for Responsible Lending, the payday loan industry drains nearly $3.4 billion from low-income households every year

Apply Now to Connect with Potential Lenders

Looking for a fast and convenient way to apply for a payday loan in Dacoma, Oklahoma? TheGuaranteedLoans offers a simple and secure online application that can connect you with potential lenders. As a connector service, we are not a direct lender, but we work with a network of trusted lenders who can offer competitive rates and terms. Apply now and get the cash you need to cover unexpected expenses!

F.A.Q.

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

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

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

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