Payday Loans in Graham, Oklahoma

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

Company nameAddressZip codePhone number
Empire Finance 1302 North Grand Street, Enid, OK 73701 +1 (580) 234 - 5104
Loyal Loans 106 E Cherokee Ave, Nowata, OK 74048 +1 (918) 273 - 2274
First National Bank of Davis 227 E Main St, Davis, OK 73030 +1 (580) 369 - 2325
Banner Finance 536 S Elm Pl, Broken Arrow, OK 74012 +1 (918) 251 - 4875
MoneyGram inside ADVANCE AMERICA - 3547 ADVANCE AMERICA, 9441 E 31st St 3547, Tulsa, OK 74145 +1 (918) 280 - 0800
Brew Wear's Pawn & Gun 906 E Shawntel Smith Blvd 9699, Muldrow, OK 74948 +1 (918) 427 - 7800
Advance America 307 N. Blake Dr., Space E, Wagoner, OK 74467 +1 (918) 485 - 4009
Check 'n Go 519 University Pl Ste 113, Durant, OK 74701 +1 (580) 920 - 1561
Regional Finance 1938 U.S. Rte 66, Claremore, OK 74019 +1 (918) 283 - 2143
Community National Bnk-Okarche 653 N Main Highway 81,, Okarche, OK 73762 +1 (405) 263 - 7491

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Graham, OK, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Bartlesville, OK, Payday Loans in Broken Arrow, OK, Payday Loan Companies in Edmond, OK, Online Loans in Enid, OK, Guaranteed Loans in Lawton, OK, Same Day Loans in Muskogee, OK, Payday Loan Without a Credit Check in Norman, OK and Payday Loans in Oklahoma City, 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 Graham, OK.

Beautiful sights of Graham, OK

Are Payday Loans Legal In Graham, 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

Graham, OK payday loan calculator

Payday Loans in Graham, Oklahoma

In today’s tough economic times, many people find themselves in need of fast cash to get them through a financial crisis. For those who live in Graham, Oklahoma, payday loans may provide a helpful solution. Payday loans are legal in Oklahoma, and they can be a way for people to get the money they need quickly and easily.

What is a Payday Loan?

A payday loan is a type of short-term loan that is intended to be repaid with the borrower’s next paycheck. The loan amount is typically small, usually ranging from $50 to $500 or more*. Payday loans are popular because they are easy to apply for and do not require collateral. They are also available to people who may not be eligible for traditional loans due to poor credit or lack of credit history.

To qualify for a payday loan, the borrower must be at least 18 years old and have a steady source of income. They must also have an active checking account and provide proof of residency. The application process for a payday loan is fast and simple, usually taking only a few minutes to complete*.

The Benefits of Payday Loans

Payday loans can provide a number of benefits to people who need money quickly.

  • Fast Access to Cash: One of the biggest benefits of payday loans is that they provide fast access to cash when it is needed most. Loan approval is usually granted within minutes, and the funds can be deposited into the borrower’s account within a few hours or by the next business day*.
  • No Credit Check Required: Most lenders do not require a credit check to approve a payday loan. This makes payday loans an option for people who have poor or no credit history.
  • No Collateral Required: Payday loans are unsecured loans, which means that they do not require collateral. Borrowers do not have to worry about putting up their property as collateral to secure a loan.
  • Flexible Repayment: Payday loans are due on the borrower’s next payday. This makes repayment of the loan simple and easy, and it gives borrowers the flexibility they need to pay off the loan on their own schedule*.

The Risks of Payday Loans

While payday loans can provide financial relief, they do come with risks.

  • High Cost of Borrowing: Payday loans are often associated with high interest rates and fees. Borrowers should carefully review the terms and conditions of the loan before accepting it, and they should be sure that they understand the total cost of borrowing.
  • Potential for Debt Traps: Payday loans are short-term loans, which means that they are due relatively quickly. If the borrower cannot repay the loan in full by the due date, they may have to roll over the loan, which can result in additional fees and interest. This can lead to a cycle of debt that is difficult to escape.
  • Collection Practices: Some payday lenders use aggressive collection practices, such as calling the borrower at work or contacting their family members. Borrowers should be aware of their rights and protections under the law.
  • Scams: There are many payday loan scams out there, and borrowers should be cautious of lenders who require upfront fees or who do not clearly disclose their fees and interest rates.

Interesting Facts About Payday Loans in Graham, Oklahoma

  • In Oklahoma, the maximum amount that a borrower can obtain through a payday loan is $500.
  • The maximum loan term for a payday loan in Oklahoma is 45 days. The lender is allowed to charge a $15 fee for every $100 that is borrowed*.
  • A study by the Oklahoma Policy Institute found that payday lenders charge an average interest rate of 391% for a 14-day loan*.
  • The Oklahoma Department of Consumer Credit provides oversight of payday lenders in the state*.

Apply Now

If you live in Graham, Oklahoma, and you’re in need of a payday loan, TheGuaranteedLoans can help. We are a connector service that works with a network of trusted lenders to help you find the loan that’s right for you. We understand that financial emergencies can happen at any time, and we’re here to help. Apply now and see if you qualify for a payday loan in Graham, Oklahoma.

* Please note that terms and conditions may vary by lender.

F.A.Q.

Are there any alternatives to payday loans in Graham, Oklahoma?

Yes, there are several alternatives to payday loans in Graham, Oklahoma, including short-term loans from credit unions, borrowing from friends or family, or applying for a credit card with a low-interest rate.

Where can I find more information about payday loans in Graham, Oklahoma?

You can find more information about payday loans in Graham, Oklahoma by visiting the website of the Oklahoma State Banking Department or by contacting a licensed payday lender in your area.