Personal loans in Oklahoma
Consumer lending in Oklahoma is regulated by the Oklahoma Department of Consumer Credit. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Oklahoma
| Payday lending | Permitted and regulated — maximum loan amount: $500 exclusive of the finance charge; maximum loan term: Not less than 12 days or more than 45 days from the date the instrument is accepted by the lender. Finance charges: A deferred deposit lender may charge a finance charge for each deferred deposit loan that does not exceed $15 for every $100 advanced up to the first 300 of the amount advanced; for the advance amounts in excess of $300, the lender may charge an additional finance charge of $10 for every $100 advanced in excess of $300Source: National Conference of State Legislatures · as of 2023 |
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| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes; if interest rate is greater than 10%). Statutory basis: Okla. Stat. tit. 14A, §§ 3-101 et seq. O.A.C. Title 160 Department of Consumer Credit Ch. 1, 3, 5, 10, 20, 25, 45, 64. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 6% in absence of a contract provided for in contract (Okl. St. tit. 15 § 266 (2020)). Finance rates and fees for licensed lenders: The total of: 27% per annum on the portion not exceeding $2,910 23% per annum on the portion between $2,910-$6,200 20% per annum on the remainder exceeding $6,200 OR 25% per annum Fees vary based on loan amount and term; refer to loan rate chart at: https://www.ok.gov/okdocc/Licenses_We_Regulate/Supervised_Lender/index.html. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Oklahoma are licensed and supervised by the Oklahoma Department of Consumer Credit.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Oklahoma Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Oklahoma Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Oklahoma Department of Consumer Credit; consumers can file complaints with the Oklahoma Department of Consumer Credit or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Oklahoma
Oklahoma CityTulsaNormanBroken ArrowEdmondLawtonMooreMidwest CityEnidStillwaterOwassoMuskogeeBartlesvilleShawneeBixbyJenksArdmorePonca CityYukonDuncanSapulpaDel CityBethanySand SpringsMustangClaremoreAltusDurantMcAlesterEl RenoAdaTahlequahChickashaGlenpoolMiamiGuymonWoodwardChoctawWeatherfordElk CityOkmulgeeNewcastleGuthrieWarr AcresCowetaThe VillagePryor CreekPoteauClintonBlanchardSallisawSkiatookCushingCatoosaCollinsvilleWagonerTuttlePiedmontSeminoleNobleIdabelGrovePurcellTecumsehBlackwellAnadarkoHarrahPauls ValleyHoldenvilleHenryettaVinitaVerdigrisHugoAlvaLone GroveSulphurSayreKingfisherPerryMarlowPocolaBristowMcLoudSlaughtervilleBroken BowSpencerMadillNichols HillsFort GibsonStilwellNowataElginFrederickHobartDeweyRolandPark HillHominyMuldrowPerkinsMannfordHintonClevelandWewokaOkemahAtokaTonkawaPawhuskaHeavenerBethel AcresChecotahLongtownTishomingoCacheChandlerJonesLindsayTurleyDavisCaleraMariettaWilburtonNew CordellEufaulaFairviewStroudJayWatongaMangumStiglerHennesseyGoldsbyKieferNicoma ParkWaltersDrumrightTexannaCommerceAntlersOakhurstHealdtonBurns FlatPinkLexingtonSpiroKrebsChouteauChelseaNewkirkHaskellPawneeCoalgateArkomaWaurikaInolaPragueOologahComancheJusticeHartshorneCherokeeWynnewoodMcCordGraniteCarnegieMincoKingstonHollisWilsonNorwoodHookerCopelandMorrisWestvilleBeaverLutherMaysvilleCrescentLangstonCleoraLocust GroveWarnerOkarcheHelenaCentral HighDicksonCashionThomasMeekerPanamaBushyheadVianWetumkaUnion CityWest Siloam SpringsSnyderShattuckStratfordWhitehorn CoveSalinaByngColbertWaukomisFairfaxGrandviewBuffaloRush SpringsFairlandLaverneApacheBeggsKellyvilleBoise CityKonawaLattaGoodwellHydroGeronimoBoleySperryWoodallYaleFletcherBriggsShady PointCaddoMoodysToppersOaklandMoorelandNinnekahKeysNorth EnidTyroneBrushyMoundsPond CreekCooksonBrayGoreWeleetkaBarnsdall
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