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Oklahoma Payday Loans

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Online Payday Loans in Oklahoma

Payday lending is legal in the state of Oklahoma. However, there are some limitations that you need to be aware of before requesting payday loans in Oklahoma. They are as follows:

  • The amount of payday loans should not exceed $500.
  • Only 2 payday loans can be taken at one time in Oklahoma.
  • Payday loans can be taken for a period of 12 to 45 days in Oklahoma.
  • 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.

So if you are looking for payday loans online near Tulsa, Lawton, Shawnee, Norman, Ardmore, Stillwater, Ada, Oklahoma City, or nearby cities in Oklahoma, then request immediately at CashOne.

How Payday Loans in Oklahoma Work

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

1

Easy Application

Complete our online payday loan application in 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.

Eligibility Criteria for Online Payday Loans in OKC

Eligibility for a payday loan does vary by state but Oklahoma is very similar to most states. But, again, ask your lender if you have any questions. Here are some of the basic criteria for getting Oklahoma payday loans:

  • 18 years of age or older
  • A legal resident of Oklahoma with a fixed address
  • Regular employment for the past 6 months
  • An active checking account
  • U.S. citizen or legal resident
   

Payday Loans Oklahoma FAQs

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 in OKC?

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 Oklahoma 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.

Important: 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.

Note: We are a referral source with more than a decade of service and 100+ direct lenders in our network to refer you to.

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