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Payday Loans in Oklahoma (OK)

Payday loans can be the light at the end of the tunnel when you need them the most. They represent a great option to fix any problem requires money. Thus, you can put an end to the stress that comes with an emergency situation. Although you feel like it’s the end of the world, there is something you can do if your car breaks and you have no cash.

This is why many people seek the help of payday loans. With such loans, you can overcome your problems much easier.

So, the following guide provides information about payday loans in Oklahoma. Read on to find out more!

What is a payday loan?

When you have an emergency, or you just need money to pay your bills and buy food until your paycheck comes, you can borrow money. There are lenders that are specialized in lending money to people who need it for an urgent situation. These loans intended, or special situations are called payday loans.

Usually, people get them because something in their household breaks or their car has problems like a pierced tire, for example. Others need to pay their bills and there is plenty of time left until they can get their salary. There are also situations when people need to buy medication and, again, don’t have the funds. These are frequent cases in which people seek the help of payday loan lenders.

Oklahoma payday loans online

Are payday loans legal in Oklahoma?

Oklahoma payday loans are indeed legal. The lenders are governed by Oklahoma Statutes Title 59 §§ 3101 et seq., the Oklahoma Deferred Deposit Lending Act. They are the ones making the loan rules.

According to their laws, you can borrow money for a period of 12 to 45 days, and you can get as much as $500. Moreover, you are allowed to have two loans at a time.

How much do payday loans in Oklahoma cost?

In Oklahoma, a financing fee is $15 per $100 if the borrowed amount is less than $300. The charging fee is $10 per 100 if the amount is between $301 and $500.

Payday loans in Oklahoma – Requirements

As expected, there are some requirements that you need to meet before taking a payday loan. To be suitable for a loan, you need to be an 18 years old American citizen or permanent resident. Also, you must have a regular checking account in case you apply online.

You will also have to provide some personal information, like your name, phone number or email, and address. Other pieces of information that you must offer can be your Social Security number and data about your employer.

What are the benefits?

Payday loans in Oklahoma come with their own benefits. For example:


Payday loans can be your true friends during hardships, as they can help you solve your problems during a financial crisis. You can request a loan here.