Payday Loans in Washington, Oklahoma

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

Company nameAddressZip codePhone number
Courtesy Loans 714 Manvel Ave, Chandler, OK 74834 +1 (405) 258 - 5134
Thrivent Financial for Lutherans 301 4th St, Kinta, OK 74552 +1 (918) 948 - 9133
First National Bank 17055 US-70, Lone Grove, OK 73443 +1 (580) 657 - 3161
Hunter & Gibbins PC 102 N Jefferson Ave, Elk City, OK 73644 +1 (580) 225 - 0292
Cash Security Inc 2102 OK-66 B, Claremore, OK 74019 +1 (918) 283 - 4646
AccentCare Home Health 2728 Williams Avenue, 101 Centre, Suite U/V, Woodward, OK 73801 +1 (580) 254 - 0072
Money Doctor Pay Day Loans 410 Dallas St, Talihina, OK 74571 +1 (918) 567 - 4005
Arvest Bank 924 W Missouri Ave, Walters, OK 73572 +1 (580) 875 - 2220
BancFirst 508 W Broadway, McLoud, OK 74851 +1 (405) 273 - 1000
Advance America 12332 East 86th St N, Owasso, OK 74055 +1 (918) 376 - 2960

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Washington, 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, Payday Loans in Tulsa, OK, Payday Loans in Bartlesville, OK, Payday Loan Without a Credit Check 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 Washington, OK.

Beautiful sights of Washington, OK

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

73093

Are Payday Loans Legal In Washington, 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

Washington, OK payday loan calculator

When facing unexpected expenses, payday loans can be a helpful solution to get fast access to cash. While payday loans are legal in Oklahoma, it is important to understand the rules and regulations surrounding these types of loans to make an informed decision.

What are payday loans?

Payday loans, also known as cash advances, paycheck advances, or payday advances, are short-term loans typically due on your next payday. These loans are often used by people who need quick access to cash to cover unforeseen expenses or to bridge the gap until their next paycheck.

Payday loans in Oklahoma

In Oklahoma, payday loans are legal and regulated by the Oklahoma Deferred Deposit Lending Act (ODDLA). This act sets the maximum amount a lender can loan at $500 and requires the loan to be due within 45 days. The Oklahoma Department of Consumer Credit is responsible for regulating these types of loans and ensuring lenders comply with the law.

Interest rates and fees

Payday loans are generally more expensive than other types of loans due to their high-interest rates and fees. In Oklahoma, the maximum interest rate a lender can charge is 390% APR. This can add up quickly, especially if you are unable to repay the loan on time as the fees and interest continue to accumulate.

The payday loan cycle

Some borrowers may find themselves trapped in a cycle of payday loans where they are unable to pay off the loan on time and must roll over the loan, incurring additional fees and interest. This can lead to a dangerous cycle of debt and financial instability. It is important to only take out a payday loan if you are confident you will be able to repay it in full on time.

Alternatives to payday loans

While payday loans can be a helpful solution for some people in need of immediate cash, there are alternative options to consider. These might include borrowing from a friend or family member, requesting a salary advance from your employer, or seeking assistance from local nonprofit organizations. Applying for a personal loan or a credit card with a lower interest rate may also be a better alternative.

Apply now

If you have considered the risks and benefits of a payday loan and have made an informed decision to proceed, you can apply for a payday loan through TheGuaranteedLoans. As a trusted connector service, we will work to connect you with potential lenders who may be able to help. Fill out our easy online application and get access to the cash you need now.

Interesting facts and statistics about Payday loans in Washington, Oklahoma

  • According to the Center for Responsible Lending, the average APR for a payday loan in Oklahoma is 404%, one of the highest in the country.
  • In 2017, there were over 800,000 payday loan transactions in Oklahoma, totaling $393 million in loans.
  • Payday loan borrowers in Oklahoma are more likely to take out multiple loans in a year, with an average of 9.3 loans per year.
  • The majority of payday loan borrowers in Oklahoma are female, and more than half are between the ages of 25 and 44.

In conclusion, payday loans can be a helpful solution for those in need of immediate cash, but they often come with high-interest rates and fees. It is important to understand the rules and regulations surrounding payday loans in Oklahoma and to only take out a loan if you are confident you can repay it on time. Consider alternative options before taking out a payday loan, and remember that TheGuaranteedLoans is here to help connect you with potential lenders if you decide to proceed.

F.A.Q.

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

To apply for a payday loan in Washington, 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 Washington, Oklahoma?

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