Payday Loans in Wayne, Oklahoma

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

Company nameAddressZip codePhone number
Western-Shamrock Finance 122 Evergreen St, Durant, OK 74701 +1 (580) 931 - 3604
Advance America 16309 N Santa Fe Ave a, Edmond, OK 73013 +1 (405) 216 - 9734
Raymond James Financial Services 1901 Arlington St, Ada, OK 74820 +1 (580) 436 - 8339
Covington Credit 346 East Side Boulevard, Block 437, Muskogee, OK 74403 +1 (918) 684 - 1078
Merrill Check Cashing 3280 S Muskogee Ave, Tahlequah, OK 74464 +1 (918) 207 - 1200
Cash Express of Yukon 200 S Ranchwood Blvd # 1, Yukon, OK 73099 +1 (405) 350 - 2024
Western Shamrock Finance 7804 S Western Ave, Oklahoma City, OK 73139 +1 (405) 688 - 0000
Pushmataha County Abstract Co 111 W Main St, Antlers, OK 74523 +1 (580) 298 - 3189
World Finance 1919 NW Cache Rd Ste C, Lawton, OK 73507 +1 (580) 351 - 9402
RCB Bank 207 Cosden Ave, Shidler, OK 74652 +1 (918) 793 - 7661

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wayne, 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, Short-term Loans in Enid, OK, Payday Loans in Lawton, OK, Payday Loans in Muskogee, OK, Payday Loans 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 Wayne, OK.

Beautiful sights of Wayne, OK

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

73095

Are Payday Loans Legal In Wayne, 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

Wayne, OK payday loan calculator

Everything You Need to Know About Payday Loans in Wayne, Oklahoma

Life can be full of unexpected surprises, and sometimes it feels like money is always tight. When you find yourself short on cash with bills to pay, what do you do? In Wayne, Oklahoma, one option that may be available to you is a payday loan. But before you consider taking out a payday loan, it’s essential to understand the ins and outs and any potential risks involved.

What Is a Payday Loan?

A payday loan is a short-term, high-interest loan that is designed to cover immediate expenses until your next paycheck arrives. Typically, payday loans are for small amounts of money, commonly ranging from $100-$500, and have very short loan terms of up to two weeks.

How Do Payday Loans Work?

To take out a payday loan, you will need to provide proof of income and a bank account. You will also need to write a post-dated check equal to the amount you’re borrowing plus interest and fees. The lender will hold onto this check until your next payday when they’ll cash it in to cover the loan. If you’re unable to repay the loan on time, you can roll it over for another two-week period by paying additional fees and interest. Keep in mind; the interest rates and fees in Oklahoma are some of the highest in the nation.

Are Payday Loans Legal in Wayne, Oklahoma?

Yes, payday loans are legal in Wayne, Oklahoma, and regulated by the Oklahoma Department of Consumer Credit. The state limits the loan term to 45 days, and the maximum amount you can borrow is $500. Additionally, lenders can charge up to 15 percent interest on every $100 borrowed, plus a $15 finance charge.

Pros of Payday Loans

Payday loans can be a useful resource for those who need cash quickly and don’t have access to other forms of credit. They are easy to obtain, and you can receive the money on the same day you apply. Additionally, payday loans don’t require good credit. If you have a job and a bank account, you’re eligible for a payday loan, regardless of your credit score.

Cons of Payday Loans

While payday loans can seem like an easy solution to your financial woes, they come with significant risks. As previously mentioned, the interest rates and fees in Oklahoma are incredibly high. These high fees, combined with the short loan terms, can lead to a cycle of debt that can be difficult to escape. Rolling over a payday loan will only add more fees and interest, potentially burying you deeper in debt.

Interesting Facts and Statistics

– Oklahoma is home to over 2,000 payday loan stores, placing it second in the nation for the number of payday lenders per state.
– The average payday loan borrower in Oklahoma takes out 8 loans per year.
– The average annual percentage rate (APR) for a payday loan in Oklahoma is 391 percent.

Apply Now

If you are facing a financial emergency and are considering a payday loan in Wayne, Oklahoma, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and our goal is to provide you with access to safe and reliable lending options. Our online application process is quick and simple, and you can apply from the comfort of your own home. If you’re approved for a loan, you can typically receive the funds on the next business day. Apply now and take the first step in getting the financial help you need

The Bottom Line

When used responsibly, payday loans can provide a useful resource for those in need of emergency funds. However, with their high fees and interest rates, they come with significant risks and should be used with caution. Be sure to carefully consider the terms and conditions of any loan you’re considering and only borrow what you can afford to repay.

F.A.Q.

Can I file a complaint about a payday lender in Wayne, Oklahoma?

Yes, if you have a complaint about a payday lender in Wayne, Oklahoma, you can contact the Oklahoma Department of Consumer Credit to file a complaint.

What should I do if a payday lender is not following the law in Wayne, Oklahoma?

If you believe a payday lender is not following the law in Wayne, Oklahoma, you can contact the Oklahoma Department of Consumer Credit to report the lender. You can also file a complaint with the Consumer Financial Protection Bureau.