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Lending Laws of Oklahoma

In Oklahoma, the maximum loan amount for a cash advance is $500. That’s exclusive of the finance charge. Your loan term can be up to 45 days, but not less than 12 days. The maximum finance charge is $15 for every $100 you borrow up to $300. If you borrow more than $300, there’s an additional fee of $10 for every $100 up to the $500 limit. That means if you were to take out a 14-day, $100 loan, you would at most pay a $15 finance charge. If you took out a 14-day, $400 loan, you would at most pay a $70 finance charge. You get to $70 by adding together the four $15 charges (one for every $100 borrowed), plus an extra $10 (for the fourth $100 borrowed).

You can take out up to two outstanding loans at a time in Oklahoma. You are not allowed to renew your Oklahoma loan. Where applicable, you can be charged a $25 NSF fee. Your lender cannot pursue criminal action against you.

Oklahoma (OK)

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About Oklahoma

Oklahoma is a state that is in the southern part of the Central United States. It had a population of about 3,751,351 people in 2010. The state has a land area of about 68,667 sq mi (177,847 km2). Oklahoma is the 28th largest state by population and the 20th largest state by area. The name of the state comes from the Choctaw words okla and humma. It means "Red People". It is also known by its nickname, The Sooner State. The state was formed from Indian Territory on November 16, 1907. It was the 46th state to become part of the United States. The people who live in the state are known as Oklahomans or Okies. The state's capital and largest city is Oklahoma City.

Between 2005 and 2006, the Tulsa suburbs of Jenks, Bixby, and Owasso had the biggest population growth in the state. The population of Jenks grew by 47.9%, Bixby grew by 44.56%, and Owasso grew by 34.31%.

Oklahoma's largest cities in 2007 were: Oklahoma City (547,274), Tulsa (384,037), Norman (106,707), Lawton (91,568), Broken Arrow (90,714), Edmond (78,226), Midwest City (55,935), and Moore (51,106). Seven of the state's ten largest cities are in the metropolitan areas of Oklahoma City and Tulsa. Only Lawton has a metropolitan area of its own.

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