Oklahoma City, OK · South · Allowed
Payday loans in Oklahoma City
Oklahoma City 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 Oklahoma City
638,367 residents · Canadian County / Cleveland County / Oklahoma County / Pottawatomie County Median household income is $47,779 — below the Oklahoma median of $48,005.
25 storefront locations of 17 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 |
|---|---|---|---|
| 1FirstCashAdvance - Oklahoma Check Cashing/Pay-day Loans, Installment Loans | 309 SW 59th St Ste 199, 73109 | (405) 766-7747 | Mon 8:00 AM - 10:00 PM · hours vary |
| A1 Loan Installment Loans | 1908 N Classen Blvd, 73106 | (405) 232-2193 | Mon 8:30 AM - 5:30 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 4535 NW 23rd St, 73127 | (405) 947-7377 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans, Title Loans | 13427 N Pennsylvania Ave, 73120 | (405) 302-0076 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 1425 SW 59th St, 73119 | (405) 685-3366 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 6601 Nw Expy, 73132 | (405) 721-0500 | Mon 8:00 AM - 8:00 PM · hours vary |
| Advance America Installment Loans | 11015 N. Pennsylvania Ave., 73120 | (405) 751-7172 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans | 9300 N May Ave Ste 100, 73120 | (405) 752-7524 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans | 4428 S.E. 44th St., Ste. D, 73135 | (405) 672-4668 | Mon 10:00 AM - 6:00 PM · hours vary |
| B & R Finance Installment Loans | 2613 N MacArthur Blvd, 73127 | (405) 789-3020 | Mon 8:30 AM - 6:00 PM · hours vary |
| B & R Finance Installment Loans, Title Loans | 2501 SW 59th St, 73119 | (405) 616-5812 | Mon 8:30 AM - 6:00 PM · hours vary |
| B&R Finance Installment Loans | 3204 N Classen Blvd, 73118 | (405) 525-0102 | Mon 8:30 AM - 6:00 PM · hours vary |
| Continental Credit Installment Loans | 6054 S Western Ave, 73139 | (405) 632-4111 | Mon 9:00 AM - 5:00 PM · hours vary |
| Continental Credit Installment Loans | 4607 SE 29th St, 73115 | (405) 672-0841 | Mon 9:00 AM - 5:00 PM · hours vary |
| Dean Funding Corporation Title Loans, Installment Loans | 425 W Wilshire Blvd, 73116 | (405) 842-8191 | Hours not listed |
| Doehring K M Installment Loans | 11902 N Pennsylvania Ave, 73120 | (405) 694-3902 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Loans Installment Loans, Tax Services | 5529 SE 15th St Ste G, 73115 | (405) 619-3467 | Hours not listed |
| Money Services Mwc Installment Loans | 5606 SE 15th St Ste B, 73110 | (405) 455-3600 | Mon 8:30 AM - 5:30 PM · hours vary |
| Owner Finance OKC Installment Loans | 129 W Gray Ste 1617, 73069 | (405) 276-4799 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Pacifica Lending Title Loans, Installment Loans | Oklahoma City, 73102 | (405) 433-7864 | Hours not listed |
| Sun Loan Company Tax Services, Installment Loans | 2713 SW 29th St Ste 5, 73119 | (405) 308-4712 | Mon 8:30 AM - 5:30 PM · hours vary |
| Sun Loan Company Installment Loans | 6028 S Western Ave, 73139 | (405) 213-0514 | Mon 8:30 AM - 5:30 PM · hours vary |
| UScellular Authorized Agent - Tide Finance - Central Loan Installment Loans | 5202 S Pennsylvania Ave, 73119 | (405) 681-6994 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Western Shamrock Finance Banks & Credit Unions, Tax Services | 312 N Broadway Ave, 73102 | (405) 793-1411 | Mon 9:00 AM - 6:00 PM · hours vary |
| Western-Shamrock Finance Tax Services, Debt Relief Services, Installment Loans | 7804 S Western Ave, 73139 | (405) 688-0000 | 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 Oklahoma City
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 Oklahoma City 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 Oklahoma City
Are payday loans legal in Oklahoma City, OK?
Yes. Storefront payday lending is permitted across Oklahoma, and Oklahoma City 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 Oklahoma City?
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 Oklahoma City?
25 storefronts are listed in Oklahoma City in our 2022-02-20 directory snapshot (17 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Oklahoma City?
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.