Payday Loans in Wynona, Oklahoma

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

Company nameAddressZip codePhone number
Woodward Finance 1113 11th St, Woodward, OK 73801 +1 (580) 256 - 8700
Charles White - State Farm Insurance Agent 1024 N Main St, Guymon, OK 73942 +1 (580) 338 - 8937
Pauls Valley National Bank 101 W Paul Ave, Pauls Valley, OK 73075 +1 (405) 238 - 9321
Red River Credit Corporation 1221 New Sapulpa Rd A, Sapulpa, OK 74066 +1 (918) 224 - 6311
Greg Stong - Raymond James 302 N Independence St, Enid, OK 73701 +1 (580) 234 - 1694
Wilburton State Bank 549 OK-2, Wilburton, OK 74578 +1 (918) 465 - 2381
First National Bank & Trust 711 N E Hwy 66, Sayre, OK 73662 +1 (580) 928 - 2580
Bell Finance Ada 210 W Main St, Ada, OK 74820 +1 (580) 436 - 4300
World Finance Corporation 200 W Main St, Weatherford, OK 73096 +1 (580) 772 - 0623
Blue Sky Bank 400 N Broadway St, Cleveland, OK 74020 +1 (918) 358 - 5004

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wynona, OK, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Lawton, OK, Payday Loans in Muskogee, OK, Payday Loan for Norman, OK, Bad Credit Loans in Oklahoma City, OK, Payday Loan Without a Credit Check in Owasso, OK, Payday Loans in Shawnee, OK, Payday Loans in Stillwater, OK and Bad Credit Loans in Tulsa, 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 Wynona, OK.

Beautiful sights of Wynona, OK

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

74084

Are Payday Loans Legal In Wynona, 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

Wynona, OK payday loan calculator

Understanding Payday Loans in Wynona, Oklahoma:

Payday loans are a type of short-term loan that offers borrowers quick access to cash to cover unexpected expenses or emergency bills. These loans are typically due on the borrower’s next payday, which is usually within two weeks to a month of borrowing. Payday loans are legal in Oklahoma, which means residents of Wynona can consider this option if they are in need of fast cash.

How Payday Loans Work:

In Wynona, Oklahoma, payday loans are regulated by the Oklahoma Department of Consumer Credit. To apply for a payday loan, borrowers must be at least 18 years old and provide proof of income, a valid ID, and a checking account. Borrowers are then required to write a postdated check or authorize an electronic withdrawal for the amount borrowed plus fees and interest. The lender will then hold the check or access the borrower’s bank account until the loan is due, which is typically on the borrower’s next payday.

It’s important to note that payday loans come with high fees and interest rates, making them an expensive form of borrowing. In Oklahoma, the maximum amount borrowers can borrow through a payday loan is $500, and lenders can charge up to $15 per $100 borrowed. This means that if a borrower takes out a $500 loan, they will owe $575 in total on their next payday.

The Pros and Cons of Payday Loans:

Before considering a payday loan in Wynona, it’s crucial to understand the pros and cons of this type of borrowing. On the one hand, payday loans can offer quick access to cash for those who need it urgently. They are also available to borrowers with poor credit scores who may not be eligible for other forms of credit.

On the other hand, payday loans are expensive and often lead to a cycle of debt. Borrowers who cannot repay their loans on time may incur additional fees and high interest rates, making it difficult to get out of debt. Additionally, payday loan lenders may use aggressive tactics to collect overdue loans, such as calling borrowers multiple times a day, which can be stressful and overwhelming.

Interesting Facts About Payday Loans in Wynona, Oklahoma:

  • Oklahoma has the highest payday loan usage rate in the United States, with more than one in eight Oklahomans taking out a payday loan per year.
  • The average payday loan borrower in Oklahoma takes out nine loans per year, with the average loan amount being $394.
  • In 2020, the Oklahoma legislature passed a bill that would create a database to track payday loans and prevent borrowers from taking out multiple loans at once. This bill will go into effect in 2022.

Apply Now:

If you are a resident of Wynona, Oklahoma, and are considering a payday loan, TheGuaranteedLoans can help you connect with potential lenders. Fill out our online application form to get started. Please note that TheGuaranteedLoans is not a direct lender, but a connector service that can help you find lenders that match your needs. Remember to borrow responsibly and only take out a payday loan if you are confident you can repay it on time.

F.A.Q.

Are there any restrictions on the use of payday loan funds in Wynona, Oklahoma?

Yes, in Wynona, Oklahoma payday loan funds must be used for a legitimate purpose and cannot be used for illegal activities or to pay off existing payday loans.

Is there a limit on the number of payday loans a borrower can have at one time in Wynona, Oklahoma?

Yes, in Wynona, Oklahoma a borrower can only have one payday loan at a time.