Payday Loans in Hominy, Oklahoma

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

Company nameAddressZip codePhone number
Pioneer Abstract & Title Co 114 S Hoy St, Buffalo, OK 73834 +1 (580) 735 - 2586
Covington Credit 1601 N Harrison St, Shawnee, OK 74804 +1 (405) 395 - 0002
Arvest Bank 338 S 5th St, Jay, OK 74346 +1 (918) 253 - 4235
Alpha Pure Water Store 2 S Coo Y Yah St 3, Pryor, OK 74361 +1 (918) 825 - 5370
World Acceptance Corporation 100 E Canadian Ave, Vinita, OK 74301 +1 (918) 256 - 5656
Security Finance 516 Oklahoma Blvd, Alva, OK 73717 +1 (580) 327 - 2727
Liberty Finance Inc 234 S Muskogee Ave, Tahlequah, OK 74464 +1 (918) 456 - 8718
Continental Credit 323 1/2 N Main St, Eufaula, OK 74432 +1 (918) 689 - 7714
Bank of America with Drive-thru ATM 9404 N May Ave, Oklahoma City, OK 73120 +1 (405) 748 - 3291
check n go, Check n Go Store Directory 1403 S Country Club Dr, El Reno, OK 73036 +1 (405) 262 - 6085

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hominy, OK, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bartlesville, OK, Payday Loan Without a Credit Check in Broken Arrow, OK, Payday Loan Companies in Edmond, OK, Payday Loan Without a Credit Check in Enid, OK, Guaranteed Loans in Lawton, OK, Payday Loans in Muskogee, OK, Emergency Loan in Norman, OK and 24-Hour Loan 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 Hominy, OK.

Beautiful sights of Hominy, OK

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

74035

Are Payday Loans Legal In Hominy, 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

Hominy, OK payday loan calculator

Payday Loans in Hominy, Oklahoma: What You Need to Know

If you’re considering taking out a payday loan in Hominy, Oklahoma, it’s important to understand how these loans work and what the regulations are regarding them. Payday loans are legal in Oklahoma, but they can come with high-interest rates and fees that can make them hard to repay. In this article, we’ll provide you with everything you need to know about payday loans in Hominy and help you make an informed decision about whether or not they’re right for you.

What are Payday Loans?

Payday loans are short-term loans that are designed to help you cover unexpected expenses until your next paycheck. They’re typically small-dollar loans, with amounts ranging from $100 to $1,000. A payday loan lender will usually require you to provide proof of income and a post-dated check or access to your bank account as collateral for the loan. The loan must be repaid in full, including interest and fees, on your next payday, usually within two to four weeks.

Regulations on Payday Loans in Hominy, Oklahoma

While payday loans are legal in Oklahoma, there are regulations in place to protect consumers. According to Oklahoma law, payday loans must not exceed $500, and the maximum finance charge on a $100 loan for a 14-day period should not exceed $15. Additionally, the loan term should not be less than 12 days and more than 45 days. Borrowers are also limited to taking out two loans at a time, and payday lenders are required to provide a written agreement that outlines the terms and conditions of the loan.

Interest Rates and Fees

Payday loans in Hominy can come with high-interest rates and fees, which can make them difficult to repay and create a cycle of debt. The interest rate on a payday loan in Oklahoma can be as high as 390%. For example, on a $100 loan with a two-week term, you may be required to pay $115 back to the lender. If you can’t repay the loan on time, the lender may charge you additional fees, including late fees and collection fees.

Pros and Cons of Payday Loans

While payday loans can be a lifeline for those in need of quick cash, they come with both pros and cons. Some of the benefits of payday loans include:

  • Easy and fast to obtain
  • No credit check required
  • Available to those with a poor credit score

However, payday loans also have drawbacks, including:

  • High-interest rates and fees
  • Short repayment terms
  • Potential to create a cycle of debt
  • Not a long-term solution to financial problems

Interesting Facts about Payday Loans in Hominy, Oklahoma

  • The average payday loan amount in Oklahoma is $394
  • In 2020, Oklahomans borrowed over 1.6 million payday loans
  • Payday lenders in Oklahoma can charge interest rates up to 390%

Apply Now

If you’re in need of a payday loan in Hominy, Oklahoma, TheGuaranteedLoans can help. We’re a connector service that can connect you with potential lenders. Simply fill out our online application, and we’ll work to find a lender that best suits your needs. Remember, we’re not a direct lender, and the terms and conditions of the loan will be between you and the lender. However, we strive to connect our customers with reputable lenders to help them get the cash they need.

Conclusion

Payday loans can be a useful tool for those in need of quick cash, but they can also come with high-interest rates and fees that can create a cycle of debt. If you’re considering taking out a payday loan in Hominy, Oklahoma, make sure you’re aware of the regulations and the terms and conditions of the loan. Remember to borrow only what you need and to repay the loan on time to avoid additional fees and interest charges.

F.A.Q.

Are there any protections for borrowers in Hominy, Oklahoma when it comes to payday loans?

Yes, Oklahoma has implemented several protections for borrowers, including a requirement for lenders to provide clear and concise information about the loan terms and fees, as well as a cooling-off period after the second consecutive loan.

Can I be sued or have my wages garnished if I default on a payday loan in Hominy, Oklahoma?

No, payday lenders are prohibited from suing or garnishing wages for non-payment of a payday loan in Hominy, Oklahoma.