Payday Loans in Ringold, Oklahoma

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

Company nameAddressZip codePhone number
Courtesy Loans 714 Manvel Ave, Chandler, OK 74834 +1 (405) 258 - 5134
BancFirst 402 9th St, Paden, OK 74860 +1 (405) 932 - 4411
Regional Finance 2412 N 14th St suite a, Ponca City, OK 74601 +1 (580) 765 - 0031
Western Shamrock Finance 7804 S Western Ave, Oklahoma City, OK 73139 +1 (405) 688 - 0000
check n go, Check n Go Store Directory 1205 W Petree Rd, Anadarko, OK 73005 +1 (405) 247 - 5238
Bell Finance Grove 2123 S Main St c, Grove, OK 74344 +1 (918) 787 - 2800
Check Into Cash 6401 Northwest Expy #105, Oklahoma City, OK 73132 +1 (405) 720 - 1030
Sure Finance 1106 Texas Ave, Woodward, OK 73801 +1 (580) 256 - 4000
BancFirst 32 Har-Ber Rd, Grove, OK 74344 +1 (918) 791 - 9000
Superior Finance Co 3973 S Hwy 97, Sand Springs, OK 74063 +1 (918) 246 - 9236

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ringold, 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 Loans in Broken Arrow, OK, Payday Loans in Edmond, OK, Payday Loan for Enid, OK, Payday Loans in Lawton, OK, Payday 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 Ringold, OK.

Are Payday Loans Legal In Ringold, 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

Ringold, OK payday loan calculator

Understanding Payday Loans in Ringold, Oklahoma

Payday loans are a popular financial solution for many Americans facing unexpected expenses or emergencies. In Ringold, Oklahoma, payday loans are legal and regulated, providing residents with access to quick cash when they need it most. Here, we’ll dive into what payday loans are, how they work in Ringold, and what you need to know before applying.

What are Payday Loans?

Payday loans are short-term loans that help borrowers cover unexpected expenses or bridge gaps between paychecks. They are typically small amounts, ranging from $100 to $1,000, and have a repayment term of two weeks to a month. Borrowers are expected to pay back the loan in full, along with interest and fees, on their next payday.

The application process for payday loans is relatively simple and straightforward. Borrowers fill out an application and provide proof of income. Some lenders may also require a post-dated check or automatic debit authorization if the borrower can’t repay the loan on time.

How Do They Work in Ringold, Oklahoma?

In Ringold, payday loans are legal and regulated by the Oklahoma Department of Consumer Credit. The state laws require lenders to have a license to operate and limits the amount of interest and fees they can charge. The maximum loan amount is $500, and the maximum finance charge is $15 per $100 borrowed, meaning the APR on a typical two-week loan is 390%.

Borrowers are allowed up to two payday loans at a time, but they have to wait at least 12 hours after paying off one loan before applying for another. Additionally, lenders are required to disclose their fees and APR, as well as the consequences of non-payment. Lenders are also prohibited from threatening or harassing borrowers for payment.

What You Need to Know Before Applying

Before applying for a payday loan in Ringold or anywhere else, there are a few important things to keep in mind:

  • Only borrow what you need and can repay
  • Understand the fees and APR
  • Check the lender’s license and reputation
  • Read the terms and conditions carefully
  • Have a plan to repay the loan on time

It’s also a good idea to explore other financial options before resorting to payday loans. These may include negotiating with creditors, seeking assistance from nonprofits, or applying for personal loans or credit cards with lower interest rates.

Interesting Facts About Payday Loans in Ringold, Oklahoma

  • According to the Oklahoma Department of Consumer Credit, there were 778,874 deferred deposit transactions (payday loans) in Oklahoma in 2019.
  • The state of Oklahoma collects $1.94 in fees for every $100 borrowed in payday loans.
  • The average borrower takes out eight payday loans per year in Oklahoma, with an average loan amount of $394.
  • Oklahoma has the highest percentage of adults who have used a payday loan in the past five years, according to a report by the Financial Health Network.

Apply Now and Get Connected

At TheGuaranteedLoans, we understand the financial challenges that can come up unexpectedly. That’s why we’re committed to connecting borrowers in Ringold and across the U.S. with potential lenders who may be able to help. Our online application process is quick, easy, and secure, and we’re here to support you throughout the lending process.

Note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a large network of trusted lenders, and by filling out our online application, you are consenting to be connected with our lenders. The process is simple, and you may receive funding within as little as one business day. Apply now and get the financial support you need.

F.A.Q.

Can I roll over or renew my payday loan in Ringold, Oklahoma?

No, rollovers and renewals are not allowed for payday loans in Ringold, Oklahoma. borrowers must pay off their loans in full on the due date.

What is the repayment period for payday loans in Ringold, Oklahoma?

in Ringold, Oklahoma, the repayment period for payday loans is typically 14 days, but can be extended to 30 days if agreed upon by both parties.