Payday Loans in Greenfield, Oklahoma

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

Company nameAddressZip codePhone number
Merrill Self Storage 1280 S Dewey Ave, Wagoner, OK 74467 +1 (918) 485 - 3322
Bank of America with Drive-thru ATM 333 N Bryant Ave, Edmond, OK 73034 +1 (405) 216 - 0436
Jackson Hewitt Tax Service 2008 W Grant Ave, Pauls Valley, OK 73075 +1 (405) 942 - 1980
Tinker Federal Credit Union City of Enid - Mask Mandate 801 S Oakwood Rd, Enid, OK 73703 +1 (580) 233 - 3330
Check `n Go 1742 E Carl Albert Pkwy, McAlester, OK 74501 +1 (918) 426 - 0128
National Quik Cash N Kickapoo St & W Independence St, Shawnee, OK 74804 +1 (405) 395 - 9066
Check `n Go 2208 N Broadway St Ste 105, Poteau, OK 74953 +1 (918) 649 - 0882
LendNation 4343 S Memorial Dr Ste C, Tulsa, OK 74145 +1 (918) 663 - 0724
World Finance 205 E Graham Ave, Pryor, OK 74361 +1 (918) 824 - 2815
First United Bank - Hugo 801 E Jackson St, Hugo, OK 74743 +1 (580) 326 - 7546

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Greenfield, 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 Loan for Shawnee, OK, Payday Loans in Stillwater, OK, Payday Loans in Tulsa, OK, Payday Loans in Bartlesville, OK, Payday Loans in Broken Arrow, OK, Payday 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 Greenfield, OK.

Beautiful sights of Greenfield, OK

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

73043

Are Payday Loans Legal In Greenfield, 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

Greenfield, OK payday loan calculator

Understanding Payday Loans in Greenfield, Oklahoma

Payday loans are a popular lending option for many individuals in need of short-term financial assistance. In Oklahoma, payday loans are legal. If you reside in Greenfield, Oklahoma, and you need quick financial help, payday loans may be a viable option for you. However, before applying for a payday loan, it is crucial to understand how they work, the applicable laws and regulations, and the potential risks associated with them. In this article, we will take a closer look at payday loans in Greenfield, Oklahoma, and provide you with the necessary information to make an informed decision.

How Do Payday Loans Work?

Payday loans are typically small loans in which a borrower agrees to pay back the full amount, along with interest, on their next payday. The loans are usually due within two weeks or until the borrower’s next paycheck. To secure a payday loan, the borrower is required to provide proof of employment and a valid ID. The lender then issues a loan after evaluating the borrower’s ability to repay.

The loan amount typically ranges from $100 to $500, and some lenders may offer loans up to $1,000. However, the interest rates and fees associated with payday loans can be high, with an average APR in Oklahoma of 395%. This makes paying back the loan on time, and in full, crucial to avoid accumulating late fees and additional interest.

Laws and Regulations in Greenfield, Oklahoma

In Greenfield, Oklahoma, the laws and regulations regarding payday loans are outlined in the Oklahoma Deferred Deposit Lending Act. The Act requires lenders to be licensed by the Oklahoma Department of Consumer Credit and ensures that borrowers are protected against fraudulent practices.

In Oklahoma, the maximum loan amount for payday loans is $500, with a maximum finance charge of $15.00 per $100 borrowed. This means that if a borrower takes out a $300 loan, the finance charge will be $45.00, and they will need to repay a total of $345.00 by their next payday.

The Oklahoma Deferred Deposit Lending Act also requires that the loan term be no less than 12 days, and the finance charges cannot exceed 15% of the loan amount.

Risks Associated with Payday Loans

While payday loans can be a valuable source of short-term financial assistance, they also present some potential risks. The high-interest rates and fees associated with payday loans can quickly accumulate if the loan is not paid back on time, leading to a cycle of debt. Additionally, some borrowers may fall prey to unscrupulous lenders who engage in fraudulent practices. These lenders may charge excessive fees, violate state lending laws, or use aggressive collection tactics.

It is essential to carefully read and understand the loan agreement before committing to a payday loan. If you have any doubts, consider seeking advice from a financial advisor or attorney.

Interesting Facts about Payday Loans in Greenfield, Oklahoma

  • The average payday loan amount in Oklahoma is $394.
  • Oklahoma has some of the highest payday loan interest rates in the country, with an average APR of 395%.
  • In 2019, Oklahoma lawmakers approved changes to the state’s payday lending laws that would have reduced the interest rates and fees associated with these loans. However, the changes were not implemented, and the state’s payday loan regulations remain in place.

Apply Now for a Payday Loan in Greenfield, Oklahoma

If you have decided that a payday loan is the right choice for you, TheGuaranteedLoans can help. We are a connector service that links borrowers with our network of trusted lenders. Our online application process is simple and fast, and we evaluate your application regardless of your credit history. We take your privacy seriously and provide secure processing of your personal information.

Apply now for a payday loan in Greenfield, Oklahoma, and let TheGuaranteedLoans help you find a lender that meets your financial needs.

F.A.Q.

How do I apply for a payday loan in Greenfield, Oklahoma?

To apply for a payday loan in Greenfield, Oklahoma, you will need to provide proof of income, a valid ID, and a checking account. You can apply online or in person at a payday loan store.

What is the maximum amount I can borrow with a payday loan in Greenfield, Oklahoma?

The maximum amount you can borrow with a payday loan in Greenfield, Oklahoma is $500.