Payday Loans in Oscar, Oklahoma

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

Company nameAddressZip codePhone number
Western-Shamrock Finance 122 Evergreen St, Durant, OK 74701 +1 (580) 931 - 3604
Community State Bank of Canton 101 W Main St, Canton, OK 73724 +1 (580) 886 - 2231
Security Finance 1213 W Lindsey St, Norman, OK 73069 +1 (405) 364 - 7131
Simmons Bank 500 W Grand Ave, Chickasha, OK 73018 +1 (405) 222 - 1272
Farm Credit of Western Ok 101 Carter Rd, Elk City, OK 73644 +1 (580) 821 - 9200
Bell Finance of Poteau 2208 N Broadway St 108, Poteau, OK 74953 +1 (918) 649 - 3527
Yes Finance 1106 Texas Ave, Woodward, OK 73801 +1 (580) 256 - 1350
Insight Funding Group 704 W Sheridan Ave, Oklahoma City, OK 73102 +1 (405) 602 - 1283
Sunbelt Credit 1812 W Gore Blvd, Lawton, OK 73501 +1 (580) 248 - 8867
Bell Finance Loans Guthrie 220 E Harrison Ave, Guthrie, OK 73044 +1 (405) 282 - 2870

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oscar, OK, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lawton, OK, Guaranteed Loans in Muskogee, OK, Payday Loans in Norman, OK, Payday Loan Without a Credit Check in Oklahoma City, OK, Payday Loans in Owasso, OK, Emergency Loan in Shawnee, OK, Short-term Loans in Stillwater, OK and Payday 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 Oscar, OK.

Are Payday Loans Legal In Oscar, 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

Oscar, OK payday loan calculator

Payday Loans in Oscar, Oklahoma: A Comprehensive Guide

If you’re facing a sudden financial emergency and need quick cash, you may be considering a payday loan. While there are plenty of lenders who offer this type of loan, it’s important to understand what you’re getting into before you apply. In this guide, we will discuss everything you need to know about payday loans in Oscar, Oklahoma, including their legality, how they work, and how to apply for one.

The Legality of Payday Loans in Oscar, Oklahoma

Payday loans are legal in Oklahoma, including in Oscar. However, they are heavily regulated to protect consumers from predatory lending practices. In 2018, the Oklahoma legislature passed a law that limits the amount of interest and fees that payday lenders can charge borrowers. Under this law, payday loans are capped at $500, and lenders can charge up to $15 in fees for every $100 borrowed.

It’s important to note that while payday loans are legal, they are not always the best option for borrowers. Because of the high interest rates and fees associated with these loans, borrowers can quickly find themselves in a cycle of debt. If you’re considering a payday loan, it’s essential to understand the risks involved and to have a plan to pay it back on time.

How Payday Loans Work in Oscar, Oklahoma

A payday loan is a short-term loan that is typically due on your next payday. These loans are designed to provide quick cash to borrowers who need it, with minimal credit checks or paperwork. To apply for a payday loan in Oscar, Oklahoma, you will need to provide proof of income, a checking account, and a valid ID.

Once you’re approved for a loan, the lender will give you the cash you need, which you’ll need to pay back, along with interest and fees, on your next payday. If you’re unable to pay back the loan on time, the lender may offer to extend the due date, but this will typically come with additional fees and interest.

How to Apply for a Payday Loan in Oscar, Oklahoma

Applying for a payday loan in Oscar, Oklahoma is relatively simple. Here are the steps you’ll need to follow:

  • Gather the necessary documents: You’ll need to provide proof of income, a checking account, and a valid ID.
  • Find a lender: There are plenty of lenders who offer payday loans in Oscar. Do your research to find a lender who offers competitive rates and fees.
  • Fill out the application: Once you’ve found a lender, you’ll need to fill out an application. This will typically include information about your income, employment, and personal information.
  • Get approved: If you’re approved for a loan, the lender will give you the cash you need, either by depositing it into your checking account or giving you a cash advance.
  • Pay back the loan: On your next payday, you’ll need to pay back the loan, along with interest and fees.

Interesting Facts and Statistics about Payday Loans in Oscar, Oklahoma

  • According to a 2019 report by the Oklahoma Policy Institute, the average payday loan borrower in Oklahoma takes out eight loans per year.
  • The same report found that the average interest rate for a payday loan in Oklahoma is 391%, which is one of the highest in the nation.
  • While payday loans are legal in Oklahoma, several states, including Arizona and Montana, have banned them altogether.

Apply Now

If you’re considering a payday loan in Oscar, Oklahoma, TheGuaranteedLoans can help. As a connector service, we help match borrowers with potential lenders who offer payday loans. To apply, simply fill out our online application, and we’ll help connect you with lenders who can provide the cash you need.

Remember, borrowing money should never be taken lightly. Before applying for a payday loan, be sure to fully understand the terms and conditions involved, as well as the risks associated with this type of borrowing. By doing your research and making an informed decision, you can make the best choice for your financial situation.

F.A.Q.

Are there any alternatives to payday loans in Oscar, Oklahoma?

Yes, there are several alternatives to payday loans in Oscar, Oklahoma, including short-term loans from credit unions, borrowing from friends or family, or applying for a credit card with a low-interest rate.

Where can I find more information about payday loans in Oscar, Oklahoma?

You can find more information about payday loans in Oscar, Oklahoma by visiting the website of the Oklahoma State Banking Department or by contacting a licensed payday lender in your area.