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Oklahoma Payday Loans

Are You Eligible for a Payday Loan Online in Oklahoma?

Payday lending is controlled in Oklahoma and there are some limitations as in every state. Generally, you must be 18 years of age, have an active checking account, be employed, and have a stable place of residence. Other qualifications may also be required for online payday loans in OKC.

Oklahoma state laws place limits on:

  • The amount of your loan - not to exceed $500
  • The number of loans you can have outstanding - 2
  • The length of your loan term - 12 to 45 days
  • The fees and costs that you can be charged - finance charges cannot exceed 15% per $100 loaned up to $300. An additional $10 fee per $100 loaned can be charged on amounts from $300 to $500

Payday loans Oklahoma laws state that the amount of a payday loan cannot exceed $500.00. There are no exceptions. So if you are searching for payday loans online near Tulsa, Lawton, Shawnee, Norman, Ardmore, Stillwater, Ada, Oklahoma City, or nearby, then all payday lenders in Oklahoma must be licensed to lend to you.

How Online Payday Loans Work

We simplified the process. Apply for your payday loan online in Moore, OK in minutes, without driving around, tons of paperwork, and long waits.

1

Easy Application

Complete our online payday loan application in Midwest city, Oklahoma. It's quick, easy, and secure.

2

Fast Decision

If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.

3

Get Your Cash

Cash is deposited in your account in as little as 1 business day.

4

Repay Your Loan

The original loan amount & any fees will be debited from your bank account on the due day.

FAQs for Payday Loans Online in Oklahoma

How many payday loans can I have in Oklahoma?

You can have up to two (2) payday loans in Oklahoma. They must be paid in full before you are eligible to receive another payday loan. Oklahoma requires all lenders to use the statewide database to check if a customer is eligible for any payday loan type of product.

Do I need a bank account for a payday loan?

Yes. Lenders require an active checking account so they can deposit your loan funds into your account as well as receive payment on your due date.

Can I renew a payday loan in Oklahoma?

No. Rollovers and extensions are not allowed in Oklahoma. You can have two different payday loans, but you cannot extend them. A cooling-off period of 2 business days is required if you have gotten five consecutive loans.

What happens if I default on a payday loan?

If you fail to pay off your loan, two things can happen. First, you may be charged a one-time NSF fee of up to $25. Second, the payday lender (or a debt collector they have assigned your unpaid loan to) can sue you to collect. If they win, or if you do not dispute the claim, the court will enter an order or judgment against you. The order or judgment will state the amount of money you owe. The lender or collector can then try to get a garnishment order against you or get the funds by other legal methods.

Can I go to jail for not paying a payday loan in Oklahoma?

No. Criminal charges are prohibited in the state of Oklahoma and a lender cannot take any criminal legal actions against a borrower who is unable to repay.

Another point: Always ask your lender questions you may have when you are first discussing a potential online payday loan. Finally, you are never obligated to accept a loan offer.

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