Payday Loans in Rufe, Oklahoma

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

Company nameAddressZip codePhone number
Money Depot 101 E Choctaw St, Broken Bow, OK 74728 +1 (580) 584 - 9005
BancFirst 111 S Casaver Ave, Wagoner, OK 74477 +1 (918) 485 - 2173
First United Bank - Pauls Valley 315 W Grant Ave, Pauls Valley, OK 73075 +1 (405) 238 - 3341
World Finance 124 W Taft Ave, Sapulpa, OK 74066 +1 (918) 227 - 9875
Ardmore Finance Corp. 4419 E 31st St, Tulsa, OK 74135 +1 (918) 747 - 6000
Sun Loan Company 1812 W Main St, Norman, OK 73069 +1 (405) 364 - 8727
Vision Bank 1901 Arlington St, Ada, OK 74820 +1 (580) 332 - 5132
First Bank & Trust Co. 101 N Main St, Waurika, OK 73573 +1 (580) 228 - 2361
Tower Loan 1600 E Main St, Cushing, OK 74023 +1 (918) 225 - 3301
First State Bank 136 Broadway Ave, Pond Creek, OK 73766 +1 (580) 532 - 6611

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rufe, OK, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Bartlesville, OK, Emergency Loan in Broken Arrow, OK, Payday Loan for Edmond, OK, Emergency Loan in Enid, OK, Payday Loans in Lawton, OK, Payday Loans in Muskogee, OK, Emergency Loan in Norman, OK and Same Day 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 Rufe, OK.

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

74755

Are Payday Loans Legal In Rufe, 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

Rufe, OK payday loan calculator

Payday Loans in Rufe, Oklahoma: Everything You Need to Know

Living on a tight budget can leave you in a bind when unexpected expenses arise. In situations like these, payday loans may seem like a fix to your problems. Before taking out a payday loan, it is important to understand the process, risks, and regulations surrounding this type of loan.

What Are Payday Loans?

Payday loans are a form of short-term borrowing that often come with high interest rates and fees. The borrower writes a post-dated check for the loan amount plus fees, which the lender holds until the borrower’s next payday. Alternatively, the borrower may allow the lender to directly access their bank account for repayment.

Payday loans are typically for small amounts, ranging from $50 to $500, but can be as much as $1,000 in some cases. The loan term is usually two weeks or until the borrower’s next payday.

Payday Loan Regulations in Rufe, Oklahoma

Payday loans are legal in Oklahoma and are regulated by the Oklahoma Deferred Deposit Lending Act. This act requires lenders to be licensed and sets regulations on loan amounts, fees, and repayment terms.

In Rufe, Oklahoma, lenders can charge up to $45 in fees for each $100 borrowed up to $300. For amounts above $300, lenders can charge an additional $15 per $100 borrowed. The maximum loan amount in Oklahoma is $500, and the loan term cannot exceed 45 days.

Lenders are required to provide these loan terms in writing and must disclose the annual percentage rate (APR) of the loan. The APR includes the interest rate plus any fees and gives borrowers a better understanding of the total cost of the loan.

Risks of Payday Loans

While payday loans may seem like a quick fix to financial problems, they come with risks that borrowers should be aware of. The high interest rates and fees associated with payday loans can lead to a cycle of debt where borrowers are unable to repay the loan on time and are forced to continually renew the loan, incurring additional fees each time.

Additionally, if a borrower is unable to repay the loan, the lender may have the right to take legal action against them or send the debt to collections, which can harm the borrower’s credit score.

Interesting Facts and Statistics about Payday Loans in Rufe, Oklahoma

  • The average payday loan in Oklahoma is $394.
  • Oklahoma has the highest average payday loan interest rates in the nation at 390% APR.
  • In Oklahoma, 1 in 8 adults have taken out a payday loan in the past year.

Apply Now

At TheGuaranteedLoans, we understand the financial struggles that people face. We offer a quick and easy application process that connects you with a network of potential lenders. Our service is free and we work to get you the best rates and terms available.

Remember, payday loans should be used only as a last resort when other options have been exhausted. If you do decide to take out a payday loan, make sure to read the terms carefully and understand the risks involved.

Apply now on our website and let us help you get the financial relief you need.

F.A.Q.

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

Yes, in Rufe, 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 Rufe, Oklahoma?

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