El Reno, OK · South · Allowed
Payday loans in El Reno
El Reno is governed by Oklahoma's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Oklahoma. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in El Reno
18,786 residents · Canadian County Median household income is $48,015 — above the Oklahoma median of $48,005.
2 storefront locations of 2 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Security Finance Installment Loans | 118 N Bickford Ave, 73036 | (405) 262-4751 | Mon 9:00 AM - 5:00 PM · hours vary |
| Western-Shamrock Finance Banks & Credit Unions, Tax Services | 116 N Bickford Ave, 73036 | (405) 262-4444 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Oklahoma page before visiting. Spot an error? Report it.
The online route in El Reno
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Oklahoma follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Oklahoma regulator.
The rules behind the numbers
Deferred deposit loans are intended for short-term financial needs and should not be used as long-term financial solutions.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in El Reno has to fit inside that schedule.
Statute: Okla. Stat. tit. 59, § 3101 et seq.
Regulator: Oklahoma Department of Consumer Credit · www.ok.gov
Questions people ask in El Reno
Are payday loans legal in El Reno, OK?
Yes. Storefront payday lending is permitted across Oklahoma, and El Reno runs under the same state rules: maximum loan $500, fees capped at $15 per $100 for first $300, $10 per $100 above $300. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in El Reno?
The same as anywhere in Oklahoma: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in El Reno?
2 storefronts are listed in El Reno in our 2022-02-20 directory snapshot (2 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in El Reno?
Complaints about a lender go to the Oklahoma Department of Consumer Credit (www.ok.gov) — keep the loan agreement and every fee disclosure you were given.