Online Payday Loans in Oklahoma
Online Payday Loans in Oklahoma

Online Payday Loans in Oklahoma

  • Direct Payday Loans Only
  • State-Authorized Lenders
  • Payday Loans Near Me
  • Guaranteed Cash Advances
  • No Faxing
  • No Credit Check
  • Fast Approval Loans
  • Flexible Terms
  • Bad Credit accepted

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Payday Loans for Oklahoma Residents

Oklahoma payday loans online are available for OK residents with all types of credit scores. No hard credit checks are performed for Oklahoma borrowers. Get an instant approval decision and cover your needs.

Why Consider an Online Payday Loan in Oklahoma?

Payday loans are a popular sector in Oklahoma due to the strong demand. Residents are convenient to receive rapid emergency loans to face their economic challenges. Payday loans are for those unexpected situations when your car breaks, and you should go to work or take school children, but staring at it more than you can pay. A cash advance is also useful when you have an unexpected medical invoice to cover, rent to pay, or emergency purchases to make. If you need a couple of hundred dollars to pay for foodstuffs, you wouldn’t be the only American who will get a short-term loan to put the meal at the table.

Whatever the reason, a payday lender is usually not too much in the details. With an online application, you have all the possibilities to be approved, receive your funds within a business day, and solve your emergency. By the way, the same cooling off period is for payday loans in Ohio. Note that these loans are for short-term emergencies and are not recommended for long-term financial objectives.

Table of Contents

Payday Cash Advances

A payday cash advance is a short-term loan that Oklahoma residents can access online or at storefront locations. You would pay back an emergency loan on your next payday in two weeks or one month. To apply, you need to submit a loan request, sign the loan agreement, and get the money you need. The application process is more straightforward than traditional loans, which take longer and have more complex procedures. The average time to get the deposit from your payday lender is one business day.

Oklahoma authorities enforce a $500 limit on payday loans. That will be the maximum amount of money you can take from one payday lender as a customer. Payday cash loans are also known as deferred deposit advances or deferred presentment service transactions. State laws regulate the amounts, interest rates, and terms. Payday lenders use a shared loan database to check whether an applicant has any outstanding debts.

Installment Loans in OK

Installment loans are similar to cash advances. The application process is the same, and you can get your loan as fast as on a working day. However, the loan amounts you can borrow are higher, making the expiration loans more suited to larger financial projects. The borrowers have more time to pay their debt and do it in fixed monthly installments. It is relatively easy to plan your budget and pay your debt when you have a stable income.

Customers take loans from lenders for accommodation restructuring projects, partially finance a wider purchase, organize family holidays abroad, or sponsor important life events. Bad credit loans are popular among the US and low-income average citizens.

Oklahoma Online Cash Advances Rates and Terms

Oklahoma borrowers can request $500 short-term loans legally according to Okla. Stat. Tit. 59 §§ 3101 et seq1. They must repay it in 12-45 days. The maximum APR is 390%, and the finance fee is 15% if you borrow less than $300. If the loan amount exceeds $300, the cost is 10%.

Two simultaneous loans are allowed at a time, but there are no rollovers or renewals. You may request a repayment plan of four installments. After you’ve borrowed five consecutive cash advances, there should be at least two business days’ cooling-off period. You can be charged a $25 NSF fee.

To qualify for an Oklahoma payday loan, you need to meet the basic requirements set up as industry standards by law, as well as any conditions your lender may have. As a rule, the items below are the main prerequisites for applying for a payday cash advance:

  • Be 18 years of age or older and have a state-issued ID to prove it;
  • Have a recurring income that can be verified;
  • Be an American citizen or a permanent resident;
  • Have an active banking account (a checking account will work best);
  • Have a valid phone number and email address.

Your lender may ask you for additional information or perform verification of the details provided. For that reason, it’s essential to include accurate information only on your loan agreement. Ideally, you would have a job with a steady income when applying for a payday loan. However, some lenders may also accept alternative income sources as valid income. For instance, people on social or disability benefits, single parents that receive alimony regularly can also apply and get approval. The same applies to people of all ages who get a regular income from investments or rented properties, veterans, and other groups.

Example APR and Fee Schedule

A 14 day Payday Loan of $100.00 has an APR of 375.93% and a finance charge of $21.00. See the table below with representative examples. It is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

Amount Borrowed Fees APR Amount Due
$200 $42 375.93% $242
$300 $63 375.93% $363
$400 $84 375.93% $484
$500 $105 375.93% $605

Payday Loans Near Me in Oklahoma

The payday loan industry is quite popular in Oklahoma to find online options and available inputs. Most consumers prefer to apply through a website. Direct lenders accept scanned documents and scenes for a 100% online loan application. A borrower needs a personal computer, tablet, smartphone, and internet access to send an application and end the loan process.

If you prefer to request a location in the store, don’t hesitate to visit local shops. If you don’t live in Oklahoma, consider applying for payday loans in Texas, for example. A branch administrator will ensure that you get all the necessary information in place. It makes sense to apply to a store instead of online if you have one and your neighborhood, for example, available during your work hours.

Finding a payday loan site should be as simple as staining the nearest coffee shop. Simple research will generally be enough to discover the neighboring sites.

Oklahoma Payday Loan Application Process

The application process for an Oklahoma payday loan is simple and hasn't been long. All you have to do is follow five simple steps:

  • First Step:

    Complete the application form on our website, then send it.

  • Second Step:

    Wait for a reply. A direct lender needs about 15 minutes to process a loan request and decide if it is possible to lend it. If one of the creditors has a positive response, you will send a direct offer via e-mail.

  • Third Step:

    Read the loan contract. We strongly advise you to read the loan contract carefully. If you have any questions, ask the creditor to help you. Make sure you understand all the terms, the APR (annual percentage rate), and the rates involved.

  • Fourth Step:

    Sign the contract. If you accept the terms and conditions, the request by signing the loan contract ends.

  • Fifth Step:

    Receive your money. Once you have your signature, the direct lender will deposit the funds in your bank account. On average, the transfer requires a working day, depending on the score cutting time, among other factors. If the application process increases faster, borrowers can access their loan the same day or in an hour.

Learn how to apply for a payday loan in Oklahoma

1F Cash Advance recommends you practice responsible loans and pay the debt in time to avoid additional fees. Just take a short-term loan when dealing with a financial emergency. A cash advance is not recommended for long-term financial problems. Go through the rules and regulations of the state before requesting a loan. It will help you assess whether the terms of the loan in your contract are right.

Oklahoma Cities to Get Online Cash Advances Till Payday

1F Cash Advance wants to help consumers all around Oklahoma State discover the best financial solutions. That is why we provide online payday loans in the following cities:

Oklahoma City Tulsa Norman
Broken Arrow Edmond Lawton
Moore Midwest City Stillwater
Enid Muskogee Owasso
Bartlesville Shawnee Yukon
Bixby Ardmore Jenks
Ponca City Mustang Duncan
Del City Sapulpa El Reno
Sand Springs Bethany Claremore
Durant Altus McAlester

Why Choose Us for your Payday Loan in Oklahoma?

1F Cash Advance specializes in providing a secure connection for borrowers who require payday loans through our platform. Our main advantages are:

  • Accessibility. All suitable candidates are free to request a payday loan from any convenient place, 24/7.
  • Security. The data is safe when applying through our website. We do not share your data with anyone who is not a reliable payday lender.
  • Reliable direct lending institutions. We work only with the main direct credit institutions in the sector authorized to operate in Oklahoma.
  • Quick approval. Our customers often get almost instant approval in their loan requests on typical working days. The average time for a creditor to process an application is about 15 minutes. As a positive result, the customer receives an offer from the creditor willing to approve them. Many loan providers do not advertise credit verification loan products.
  • Deposit Price. When applying with us, customers usually receive their money on a working day. Even the same day loans and 1 hour of deposits are common.
  • Bad Credit is accepted. You don’t need to have a good credit score to request a payday loan with us. Direct lenders usually do not make complex credit checks through the three main credit offices. It means you get a faster response and request a payday loan. It doesn’t negatively affect your credit score.
  • Transparent contracts. The main credit institutions we operate include the terms and rates of fair loans in their loan agreements.

Oklahoma In-Store Payday Loans

Are you looking for an emergency loan? Is your internet down when you desperately need money? Luckily, you can always visit one of our in-store locations to seek help. Our friendly team will provide you with immediate assistance so that you can make an informed decision. Getting a loan with us is safe and straightforward. Fill out the application form to get an offer.

1F Cash Advance Payday Loans Store Location Oklahoma

Branch name: 1F Cash Advance Oklahoma
Address: 1323 SW 59th St, Oklahoma City, OK 73119
Phone: (405) 766-7747
Email: [email protected]
Branch Manager: Mark Mercer

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed


Get Started

The store at 309 SW 59th St #199, Oklahoma City, OK 73109 is permanently closed.

Payday loans Oklahoma City, OK 73119
Cash advance in Oklahoma City, OK 73119
1F Cash Advance payday loans Oklahoma City, OK 73119

Find an In-Store Location Near Me

Are you still looking up “in-store locations near me”? Visit our office in Oklahoma and get quick assistance. Not in Oklahoma? No worries! Check out our storefront locations in Colorado, California, Florida, Illinois, Missouri, New Jersey, Rhode Island, Tennessee, Texas, Wisconsin, Washington.

Our Products and Services

Payday Cash Advances in OK

Cash advances are easy, short-term loans that almost anyone can get. If you qualify based on the general requirements, you too can receive an emergency loan. Use it to pay the bills before they are overdue, buy food, fix your car. Whatever financial issue you’re struggling with, we got your back.

Payday Installment Loans in OK

We recommend payday installment loans to customers who need more money at once. Take a few minutes to apply and get your funds within one business day! No questions asked; you are free to use your emergency cash as you see fit. Repay it in convenient monthly installments.

Check Cashing in OK

Looking for check cashing services? We may be able to help you out. Visit our in-store locations. Most of them have a check-cashing desk that will get your cash within minutes. We value your time and appreciate your business.

Frequently Asked Questions

Can I have two payday loans at a time in Oklahoma?

Oklahoma state laws allow a borrower to have two outstanding payday loans at a time, provided they are from different lenders. However, a direct lender may deny your application if they consider that you will not be able to handle another loan.

What are the other states in which you provide online payday loans?

We provide online loans in the following states: Colorado, New Mexico, Arkansas, Kansas, Texas, Missouri, Louisiana.

How can I find a nearby cash advance in OK?

Apply for a payday loan to get a reply from direct lenders in several cities from Oklahoma. Borrowers trust us from nearby locations, such as Cherokee, Le Flore, Ottawa, Sequoyah, Okmulgee, Muskogee, Pottawatomie, Payne, Mayes, Delaware, Carter, Pittsburg, Lincoln, Kay.

Can I extend the term of an online payday loan in Oklahoma?

Oklahoma laws do not allow for rollovers. Contact your direct lender for advice if you realize that you cannot pay off your debt on time. It is in your loan provider's best interest for you to close your debt sooner rather than later.

Can I apply for a payday cash advance if I have no credit history or a bad credit score?

You can apply for a short-term loan with no credit history or a less-than-perfect credit score. Direct lenders don't typically do a hard credit check. A bad credit score is not a reason for them to deny your loan request. If you qualify based on the main requirements, you have guaranteed approval.

Does 1F Cash Advance have a license to operate in the state of Oklahoma?

1F Cash Advance only works with licensed direct lenders authorized to operate in Oklahoma.

How will I pay off my cash advance in Oklahoma?

Your direct lender will ask for your consent to automatically withdraw the funds on the due date when signing the loan agreement. That is a convenient way of repaying your debt on time.

Latoria Williams

Written by: Latoria Williams

Updated: May 2, 2024