Cash Advance and Payday Loans in Oklahoma City, OK

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A cash advance is commonly known as a short-term payday loan. These advances are offered to eligible candidates with the agreement of a one-time repayment transaction. To be specific, the borrower is responsible for paying back the loan when their paycheck arrives, hence the name payday loan. These loans are not meant to be long-term financial solutions; they are best used in emergency situations. Using these loans habitually can cause borrowers to fall into a debt trap, so repeated use is highly discouraged.

Advantages of Taking Out a Payday Loan in Oklahoma City

There are some advantages of taking out a payday loan, including:

  • Quick approval. Payday loan approvals are often granted fast. Online payday lenders conduct business fully electronically, meaning the process of obtaining a loan tends to be much quicker than it is through traditional systems. Most lenders transfer the cash faster than traditional lenders – often as soon as the next business day.
  • Many payday loans can be used for any purpose. This varies by lender, but in some situations, the lender does not place any restrictions on how and where the borrower can spend the cash, meaning you may be able to use the loan to cover virtually any need.
  • A low credit score may not automatically disqualify you. Although all lenders perform a credit check to secure a safe transaction for both parties, other factors may also be considered in the approval decision. There are lenders that care about whether a borrower can repay the loan, not just the credit score. In addition to credit score, income can be used to determine eligibility.
  • Payday loans help you avoid borrowing from friends or family. You can also forget about the stress of traditional lending systems such as bank or credit union loans.

How to Get a Cash Advance and Payday Loan in Oklahoma City?

Oklahoma City, OK, residents may apply for a short-term cash advance by using online platforms or storefront lenders. The application is user-friendly and can be processed relatively quickly, as long as the applicant has all the required information on hand. When filling out an online request form, the following information is needed:

  • Personal information, such as your name, address, phone number, and email address
  • Bank account number
  • Employer name or revenue source

It is always recommended to hold this information within arm’s reach when completing the request form.

Cash Advance and Payday Loan Requirements

To qualify for a payday loan in Oklahoma City, Oklahoma, the borrower may need to:

  • Provide a Social Security number.
  • Be at least 18 years old
  • Be a legal resident of Oklahoma City, Oklahoma
  • Have a stable source of income of at least $1,000/month
  • Provide a phone number and email address
  • Not be in debt or bankruptcy

Cost and Regulations of Cash Advance and Payday Loans in Oklahoma City, OK

Payday loans are legal in Oklahoma City, Oklahoma. Nonetheless, state law places stringent rules and regulations for these loans. These laws vary from other states in the country.

The state of Oklahoma caps the maximum loan amount at $500. There is no minimum amount. The loan duration should be at least 12 days and at most 45 days.

Borrowers should be aware that payday loans carry a high-interest rate for their short-term period. Oklahoma payday loans are no exception. Fees and other charges may depend in part on the loan amount. An amount of less than $300 can have a fee of $15. An additional fee is tacked on for every $100 borrowed for loans upwards of $300.

Rollovers are not allowed, and a cooling-off period of two business days is needed after the borrower’s fifth consecutive loan.

Licensed Oklahoma lenders should disclose all loan terms, interest, fees, repayment period information, and other conditions to borrowers before they sign the loan. Both participants should agree on a date for repayment, which is usually after the borrower’s next paycheck arrives.

For more information and answers to questions regarding short-term cash advances, visit the Oklahoma Department of Consumer Credit website. Here, borrowers and lenders can learn Oklahoma regulations and licensing laws for payday loans.

Installment Loans in Oklahoma

An installment loan is viewed as another model of short-term loans. Candidates seeking larger amounts of money may be able to use this type of loan. Installment loans are called such because they offer a more flexible repayment plan than traditional payday loans. Instead of being repaid all at once, installment loans are repaid over the course of several months, sometimes up to one year. Installment loans may be more fitting for applicants with low credit scores, as they tend to have a higher approval rate than other loan products.

Requesting Title Loans in Oklahoma

A title loan is another sort of short-term cash advance. To acquire a title loan in Oklahoma, the borrower needs to present their vehicle as collateral. This can be anything from a car to a truck to a motorcycle. The vehicle's title hard copy is given to the lender and returned to the borrower upon repayment of the loan.

Lenders will require general information to create the vehicle's application and information to be set as collateral.

Oklahoma residents may be expected to submit the following information:

  • Valid government-issued photo identification
  • Proof of residence
  • Name, address, email address, and phone number
  • Photos of the vehicle to be assigned as collateral
  • Name of employer or revenue source
  • Lien-free car title

Favorite Oklahoma, OK Cash Advance and Payday Loan Companies

Oklahoma, OK, has an abundance of storefronts and online payday lenders. Check Into Cash has multiple storefront locations dispersed throughout Oklahoma City. They also provide a secure website for completing the online request process. The website also lists important information about their loan products.

Check n' Go has many physical locations in Oklahoma City, along with a reliable website.

They offer payday loans, check cashing services, installment loans, and more.

Company name
Address
Phone
A & E Business Products
1507 North Portland Avenue Oklahoma City OK, 73107
405-947-0684
A OK LOANS
7023 Se 15th St Oklahoma City OK, 73110
405-733-0727
A-1 Loans
331 Northwest 4Th Street Oklahoma City OK, 73102
405-232-2193
A1 LOAN COMPANY
331 Nw 4th St Oklahoma City OK, 73102
405-232-2193
AAA LOAN SERVICE INC
3401 S Western Ave Ste B Oklahoma City OK, 73109
405-235-1016
Abm Automation
740 Northwest 63Rd Street Oklahoma City OK, 73116
405-842-8224
ACE CASH AMERICA
5943 Nw 23rd St Oklahoma City OK, 73127
405-491-6003
ACE CASH EXP 20
2514 N Meridian Ave Oklahoma City OK, 73107
405-945-0289
Ace Cash Express
5305 South Western Avenue Oklahoma City OK, 73109
405-631-0800
ACE CASH EXPRESS
7621 S Pennsylvania Ave Oklahoma City OK, 73159
405-686-0049
ACE CASH EXPRESS
4723 Se 29th St Oklahoma City OK, 73115
405-670-4444
ACE CASH EXPRESS
3316 S Dumas Ave Oklahoma City OK, 73119
405-686-0049
ACE CASH EXPRESS
6601 Nw Expressway Oklahoma City OK, 73132
405-721-0500
ACE CASH EXPRESS
2216 Nw 23rd St Oklahoma City OK, 73107
405-528-3300
ACE CASH EXPRESS
3001 N May Ave Oklahoma City OK, 73107
405-946-7100
ACE CASH EXPRESS
2505 Nw 23rd St Oklahoma City OK, 73107
405-943-0301
ACE CASH EXPRESS
4535 Nw 23rd St Oklahoma City OK, 73127
405-947-7377
Ace Cash Express Inc
824 S Air Depot Blvd Oklahoma City OK, 73110
405-736-6639
Ace Cash Express Inc
216 Nw 23Rd St Oklahoma City OK, 73103
405-528-3121
Ace Cash Express Inc
5305 S Western Ave Oklahoma City OK, 73109
405-631-0800
Ace Cash Express Inc
6601 Nw Expressway St Oklahoma City OK, 73132
405-721-0500
Ace Cash Express Inc
1425 Sw 59Th St Oklahoma City OK, 73119
405-685-3366
Ace Cash Express Inc
4503 Nw 23Rd St Oklahoma City OK, 73127
405-947-7377
Ace Cash Express Inc
7621 S Penn Ave Ste A Oklahoma City OK, 73159
405-685-2274
Ace Cash Express Inc
3537 North Shields Boulevard Oklahoma City OK, 73160
405-794-1700
Ace Cash Express Inc
5943 Northwest 23Rd Street Suite A Oklahoma City OK, 73127
405-789-2002
Ace Cash Express Inc
3001 South May Avenue Oklahoma City OK, 73119
405-682-2274
ACE CASH EXPRESS INC
5943 Nw 23rd St Oklahoma City OK, 73127
405-789-2002
ACE LOAN SERVICE
3401 S Western Ave Ste A Oklahoma City OK, 73109
405-235-3791
ADVANCE AMERICA
2024 Nw 23rd St Oklahoma City OK, 73106
405-528-1052
ADVANCE AMERICA
4428 Se 44th St Oklahoma City OK, 73135
405-672-4668
ADVANCE AMERICA
2410 N Meridian Ave Oklahoma City OK, 73107
405-951-5308
ADVANCE AMERICA
4636 S Pennsylvania Ave Oklahoma City OK, 73119
405-686-3063
ADVANCE AMERICA
3901 S Western Ave Oklahoma City OK, 73109
405-635-9612
ADVANCE AMERICA
2150 S Douglas Blvd Oklahoma City OK, 73130
405-732-7717
ADVANCE AMERICA
11015 N Pennsylvania Ave Oklahoma City OK, 73120
405-751-7172
ADVANCE AMERICA
232 S Air Depot Blvd Oklahoma City OK, 73110
405-737-8300
ADVANCE AMERICA
1841 Belle Isle Blvd Oklahoma City OK, 73118
405-842-3519
ADVANCE AMERICA
9300 N May Ave Oklahoma City OK, 73120
405-752-7524
American Cashiers Inc
1424 W Britton Rd Oklahoma City OK, 73114
405-843-8480
American Check Cashers
5600 Se 15Th St Oklahoma City OK, 73110
405-736-0046
American Check Cashers
5600 Southeast 15Th Street Oklahoma City OK, 73110
405-736-0046
APPROVED CASH ADVANCE
1529 W Britton Rd Oklahoma City OK, 73120
405-755-0304
Ast Investments Inc
5010 Se 15Th St Ste A Oklahoma City OK, 73115
405-677-7447
CA HLAND
3013 Sw 29th St Oklahoma City OK, 73119
405-681-4447
CA HLAND
1815 S Air Depot Blvd Oklahoma City OK, 73110
405-736-1444
CA HLAND
1901 Ne 23rd St Oklahoma City OK, 73111
405-424-1222
CASH N CHECKS
3200 N May Ave Oklahoma City OK, 73112
405-948-2006
CASHLAND
4417 Nw 39th St Oklahoma City OK, 73112
405-943-4700
Cashland Inc
1016 Sw 59Th St Oklahoma City OK, 73109
405-634-7874
Cashland Inc
4417 Northwest 39Th Street Oklahoma City OK, 73112
405-943-4700
Check Cashiers Inc
4721 Southeast 15Th Street Oklahoma City OK, 73115
405-672-7800
Check First Inc
531 Southwest 4Th Street Oklahoma City OK, 73109
405-794-0305
Check First Inc
5529 Southeast 15Th Street Oklahoma City OK, 73115
405-670-7001
Check Inc
730 West Wilshire Boulevard Suite 106 Oklahoma City OK, 73116
405-848-4557
Check Into Cash
1114 North Eastern Avenue Oklahoma City OK, 73160
405-912-4484
CHECK INTO CASH
1620 Sw 89th St Oklahoma City OK, 73159
405-378-3999
CHECK INTO CASH
6900 N May Ave Oklahoma City OK, 73116
405-767-9356
CHECK INTO CASH
6401 Nw Expressway St Oklahoma City OK, 73132
405-720-1030
Check Into Cash 23005
1323 Gateway Plaza Oklahoma City OK, 73110
405-733-0517
Check Into Cash Inc
10906 N Pennsylvania Ave Oklahoma City OK, 73120
405-755-2905
Check Into Cash Inc
6401 Nw Expwy Ste G Oklahoma City OK, 73132
405-720-1030
Check Into Cash Inc
6050 S Western Ave Oklahoma City OK, 73139
405-634-1877
Check Into Cash Inc
3620 Nw 23Rd St Oklahoma City OK, 73107
405-942-0324
Check Into Cash Inc
1323 Gateway Plz Oklahoma City OK, 73110
405-733-0517
Check Into Cash Inc
6900 N May Ave Ste 9A Oklahoma City OK, 73116
405-767-9356
Check Into Cash Inc
1620 Sw 89Th St Ste G Oklahoma City OK, 73159
405-378-3999
Check Into Cash Inc
1114 N Eastern Ave Oklahoma City OK, 73160
405-912-4484
Checkmart
2514 North Meridian Avenue Oklahoma City OK, 73107
405-946-3334
Checkmart
Oklahoma City Oklahoma City OK, 73115
405-670-4444
Checks Cashed
1 Southeast 59Th Street Oklahoma City OK, 73129
405-616-3777
CHECKS CASHED
929 Sw 59th St Oklahoma City OK, 73109
405-616-3777
Cummins-Allison Corporation
7416 Broadway Extension Suite M Oklahoma City OK, 73116
405-848-2040
Daystar Llc
8121 North Classen Boulevard Oklahoma City OK, 73114
405-858-7700
Double D Investments Inc
1 Se 59Th St Oklahoma City OK, 73129
405-616-3777
E-Z Money
4723 Southeast 29Th Street Oklahoma City OK, 73115
405-670-4444
E-Z Payday Loans Of Oklahoma
4020 Southeast 15Th Street Oklahoma City OK, 73115
405-672-4700
Ez Payday Loans Of Oklahoma
4020 Se 15Th St Oklahoma City OK, 73115
405-672-4700
FEDERAL CASHADVANCE
3600 Nw 23rd St Oklahoma City OK, 73107
405-949-9662
FEDERAL CASHADVANCE
7880 S Western Ave Oklahoma City OK, 73139
405-635-8500
FEDERAL CASHADVANCE
7640 Nw Expressway St Oklahoma City OK, 73132
405-773-8556
FIRST AMERICAN CASH ADVANCE
1325 Sw 44th St Oklahoma City OK, 73119
405-682-0175
FIRST AMERICAN CASH ADVANCE
7101 Nw Expressway St Oklahoma City OK, 73132
405-720-7512
FIRST AMERICAN CASH ADVANCE
2440 N Macarthur Blvd Oklahoma City OK, 73127
405-942-0148
Hall Of Fame Paint & Body
2813 Southeast 44Th Street Oklahoma City OK, 73129
405-670-6800
I Moneyworld
1036 W I 240 Service Rd Oklahoma City OK, 73139
405-636-0770
Instacheck Of Oklahoma
900 North Macarthur Boulevard Oklahoma City OK, 73127
405-516-2469
Loan Mart Of Oklahoma Inc
3621 Nw 39Th St Oklahoma City OK, 73112
405-946-0630
Loan Mart Of Oklahoma Inc
9246 N Pennsylvania Pl Oklahoma City OK, 73120
405-843-1428
Loan Mart Of Oklahoma Inc
128 N Air Depot Blvd Oklahoma City OK, 73110
405-739-8262
Loan Mart Of Oklahoma Inc
7405 S Western Ave Oklahoma City OK, 73139
405-631-0692
Loan Mart Of Oklahoma Inc
627 Nw 7Th St Oklahoma City OK, 73160
405-794-0264
LOAN MART PAYDAY LOANS
9246 N Pennsylvania Ste 9246 Oklahoma City OK, 73120
405-843-1428
Mail Boxes Etc
1205 South Air Depot Boulevard Oklahoma City OK, 73110
405-736-6100
MAIN FINANCE
329 Nw 4th St Oklahoma City OK, 73102
405-236-3072
Main Finance Co
329 Northwest 4Th Street Oklahoma City OK, 73102
405-236-3072
Midwest City Loan Service
1434 North Key Boulevard Oklahoma City OK, 73110
405-733-1536
Money Mart Check Cashers
7115 S Western Ave Oklahoma City OK, 73139
405-634-4242
Money Mart Check Cashers
Westernview Centre Oklahoma City OK, 73139
405-634-4242
MONEY MART CHECK CASHERS
Westernview Ctr Oklahoma City OK, 73101
405-634-4242
MONEY WORLD II
3601 N Portland Ave Oklahoma City OK, 73112
405-949-2003
Moneymart
7115 South Western Avenue Oklahoma City OK, 73139
405-634-4242
Moneyworld I
1036 West I 240 Service Road Oklahoma City OK, 73139
405-636-0770
Moneyworld Ii
3601 North Portland Avenue Oklahoma City OK, 73112
405-949-2003
Mr Payroll
4430 West Reno Avenue Oklahoma City OK, 73107
405-942-8335
Mr Payroll
2100 Northwest 122Nd Street Oklahoma City OK, 73120
405-751-8730
Mr Payroll
142 Southeast 44Th Street Oklahoma City OK, 73129
405-634-1910
MR PAYROLL
4430 W Reno Ave Oklahoma City OK, 73107
405-942-8335
MR PAYROLL
2116 Nw 115th St Oklahoma City OK, 73120
405-751-8730
MR PAYROLL
2100 Nw 122nd St Oklahoma City OK, 73120
405-751-8730
Mr Payroll Of Midwest City
2301 S Air Depot Blvd Oklahoma City OK, 73110
405-733-1558
Mr Payroll Of Midwest City
2301 South Air Depot Boulevard Oklahoma City OK, 73110
405-733-1558
National Check Cashiers
824 South Air Depot Boulevard Oklahoma City OK, 73110
405-736-6639
National Quick Cash 277
1621 Nw 23Rd St Oklahoma City OK, 73106
405-521-8383
NATL QUIK CASH
2404 Sw 82nd St Oklahoma City OK, 73159
405-681-8170
Ok Check Cashing
1905 South Air Depot Boulevard Oklahoma City OK, 73110
405-732-6570
OK LOAN CO
1905 S Air Depot Blvd Oklahoma City OK, 73110
405-732-3122
PAID IN CASH
1201 N Rockwell Ave # A Oklahoma City OK, 73127
405-491-0555
Paid In Cash Check Cashing
1201 N Rockwell Ave Ste A Oklahoma City OK, 73127
405-491-0555
Paid In Cash I
1605 North Rockwell Avenue Oklahoma City OK, 73127
405-491-0555
Paid In Cash Ii
4859 Southeast 44Th Street Oklahoma City OK, 73135
405-670-9555
PAID IN CASH II
4859 Se 44th St Oklahoma City OK, 73135
405-670-9555
QUICK CASH ADVANCE
128 S Main Oklahoma City OK, 73101
405-872-1112
Quikcash
1530 South Agnew Avenue Oklahoma City OK, 73108
405-272-0655
QUIKCASH
1530 S Agnew Ave Oklahoma City OK, 73108
405-272-0655
RAYCO LOAN SERVICE
7390 S Walker Ave Oklahoma City OK, 73139
405-232-4626
READY CASH ADVANCE
7914 N May Ave Oklahoma City OK, 73120
405-848-0800
Road Runner Check Cashing
5805 Northwest 63Rd Street Suite C Oklahoma City OK, 73132
405-621-9572
Sooner Money Tree
1044 S Douglas Blvd Oklahoma City OK, 73130
405-739-0007
Sooner Money Tree
1044 South Douglas Boulevard Oklahoma City OK, 73130
405-739-0007
Sooner Pit Stop Cash It
7224 S Sooner Rd Oklahoma City OK, 73135
405-737-2666
Starview Check Cashers
9213 Northeast 10Th Street Oklahoma City OK, 73130
405-737-4801
SUPER MART
4417 S High Ave Oklahoma City OK, 73129
405-601-9028
Top Gun Classic Transport
1401 Enterprise Avenue Oklahoma City OK, 73128
405-942-8900
TOP GUN CLASSIC TRANSPORT
1401 Enterprise Ave Oklahoma City OK, 73128
405-942-8900
WESTERN UNION
909 Nw 23rd St Oklahoma City OK, 73106
405-528-2274

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