Payday Loans Oklahoma | 5 Best Loans in Oklahoma 2021 (Payday & Title)



Over the last decade, payday loans have been growing significantly in popularity in many states of the U.S. These loans form the only lifeline for people who are desperate for funds but have poor credit. Various studies have found out that consumers in Oklahoma are more than likely to apply for a payday loan compared to the rest of the country.

You will have to consider various factors before applying for payday loans in Oklahoma. You will have to undergo an employment verification before being given access to the loan funds. However, the biggest advantage of these lenders is that they do not judge people with poor credit scores as almost everyone is eligible to apply.

#1 Payday Loans Oklahoma in 2021 – Viva Payday Loans

Best Payday Loans Oklahoma – Quick-Pick:

  • Viva Payday Loans – Best for Bad Credit Payday Loans. Visit now.
  • Credit Clock – Best Options for No Guarantors Visit now.
  • Money Lender Squad – Best for Quick Approval Process Visit now.
  • Very Merry Loans – Best for Same Day Payout Loan. Visit now.
  • Heart Paydays – Best for No Credit Check Loan with Low APR Visit now.

What are Payday Loans Oklahoma?

For those who aren’t aware, the term payday loans refer to small, short-term loans usually for $500 to $1000, which typically have to be repaid within two to four weeks. Also known as installment loans for bad credit, these loans are legal in most states including Oklahoma. You can get a payday loan from any online loan provider. These loans are typically expensive with APRs ranging from 35% to more than 100% in some cases.

Many lenders will let applicants extend the due date for another two or four weeks if they cannot repay the loan when it’s due. For this reason, they may charge a rollover fee. You will still owe the entire original balance each time you roll over the loan, along with a new fee. There is no nationwide standard when it comes to the maximum amount that can be applied for a payday loan. Each state has its own legislation. According to the Oklahoma Small Lenders Act of 2020, the maximum monthly interest rate is fixed at 17% while the maximum amount is fixed at $1500.

Common uses of Online Payday Loans Oklahoma

Payday loans are usually taken by individuals who are financially struggling, usually with bad credit histories or ratings that disqualify them from taking out conventional loans. The reasons may vary from simple small purchases to large expenses which cannot be delayed.

Healthcare and medical bills

A medical emergency can come out of nowhere. Given the high prices of healthcare and medical services in the United States, many people struggle when faced with sudden medical expenses. If you have bad credit and have been disqualified by traditional lending institutions, a payday lender may be your only solution.

Utility bills

The cost of energy has skyrocketed for most people in the United States. Uninterrupted payment of utility bills is essential to maintain one’s quality of life. Any type of interruptions in these services may result in temporary or permanent loss of energy. Individuals stuck in such a situation have no choice but to go for payday loans. They immediately get access to the funds which they then use to pay the bills on time, avoiding any interruptions in services.

Debt consolidation

It is pretty common to take loans in the United States. Many people find themselves struggling to pay them off, with interest rates hampering their ability to repay. In these cases, taking out a payday loan can be a clever solution. If the interest rate of the payday loan is lower than the existing one, borrowers can use the funds to repay the original loan. This is known as debt consolidation.

Other uses

Some of the other things that you can use payday loan funds for include unpaid taxes, car emergencies, new appliances, house maintenance, and repair and rent.

How to Qualify For Online Payday Loans Oklahoma (Eligibility Criteria)

The eligibility criteria for applying for payday loans can differ slightly from state to state and from lender to lender. Each lender has the authority to decide who qualifies for their products. These lenders do not perform credit checks which is one of the reasons how they are able to provide funds at such short notice.

Some of the criteria for eligibility that apply to payday loans in Oklahoma are given below:

  • You must be of 18 years of age to qualify for payday loans in Oklahoma.
  • You must be a permanent resident of the United States.
  • You should have a monthly salary of $1000 or more after taxes or be currently employed for a minimum of 90 days.
  • You may be required to produce a social security tax ID as well as a valid government-issued ID to apply with some lenders
  • You must have a valid phone number and email address.
  • You must be a holder of a valid US bank account.

5 Best Online Payday Loans Oklahoma – Fully Reviewed

There is a myriad of online payday loan providers that Oklahoma residents can access. We’ve provided a list of 5 of the best payday loan providers in Oklahoma.

1. Viva Payday Loans – Overall Best for Payday Loans in Oklahoma

is a payday loan provider which works with several lending partners to provide short-term loans worth $200 to $5000. It focuses on providing loans to those individuals who have problems qualifying for a conventional loan. The lenders under its network may require you to submit documents related to your Social Security number, driver’s license, bank account number, housing details as well as contact information.

Lender APR rate Loan amount range Loan term range Star rating
Rise Credit 50%-299% $500 to $5000 2 to 24 months 10/10
LendUp 30%-299% $100 to $500 2 to 24 months 10/10


  • Viva Payday Loans considers all credit profiles.
  • You can access loan amounts of up to $5000.
  • It provides same-day loan deposits depending on the lender you’re paired up with.


  • It does not provide exact upfront information about the interest fees that individual lenders offer.

2. Credit Clock – Best For Lower Loan Amounts

has a very appealing and navigatable website that presents all relevant information in an organized way. If you have bad credit, you can easily apply for a loan within 2 minutes with the help of their easy-to-understand form. You will be required to produce proof of income to apply with this lending provider. You will have to produce valid US citizenship documentation for applying Credit Clock.

Lender APR rate Loan amount range Loan term range Star rating
OppLoans Variable $500 to $4000 9 to 18 months 10/10
GreenDay 5.99% to 35.99% $100 to $5000 24 months 9/10


  • Individuals with bad credit will have no problems applying with Credit Clock.
  • Loans can be approved within 2 minutes.
  • It also supports same-day deposit of loans.


  • It requires proof of income of at least $1000 per month to qualify.

3. Money Lender Squad – Best for Same Day Payouts

With you can get access to some of the best APR rates in the industry. It offers payday loans to individuals who have struggling credit ratings and are disqualified from applying elsewhere. You can get loans ranging with APRs ranging from 35% to upwards of 100%. Once you fill-up the form and submit it, Money Lender Squad goes to work, finding the best match. You will get to know the decision within minutes of applying.

Lender APR rate Loan amount range Loan term range Star rating
OppLoans 99% -160% $500 to $4000 2 to 48 months 10/10
Rise Credit 89% – 449% $300 to $3500 2 to 24 months 10/10


  • Money Lender Squad does not require a guarantor for loans.
  • It provides one of the fastest approval times in the market.
  • It allows you to extend your loan tenures on specific conditions.


  • Lenders under Money Lender Squad charge high-interest rates for loans granted to individuals with low credit scores.

4. Very Merry Loans – Best for Low APR

Very Merry Loans works with several lenders under its network, which increases an applicant’s chances of getting a loan approved by many times. It’s very user-friendly, where some of the best US lenders are presented in easy to choose panels. You can get either very small personal loans or larger loans depending on requirements. APRs for this provider range from 5.99% to 35.99%, depending on the lender you’re paired up with.

Lender APR rate Loan amount range Loan term range Star rating
CashNet USA Variable $500-$1000 8 to 31 days 9/10

** For example, Florida loans levy a $5 verification fee + $10 per $100 borrowed.


  • Very Merry Loans welcomes unemployed and people with bad credit to apply for loans.
  • You can request for extended repayments if you have valid reasons to do so.
  • You can request loans of up to $5000.


  • You will incur high-interest rates for loans of up to 30 days.

5. Heart Paydays – Best for Low Interest Rates

Heart Paydays welcomes borrowers from all backgrounds. By presenting an easy-to-apply website, it makes the process of choosing lenders easier. At, you can get loans ranging from $300 to $5000 with APRs ranging from 5.99% to 35.99%. It provides all the tools necessary to get connected to an appropriate lender which may be able to provide you with the loan terms you’re looking for.

Lender APR rate Loan amount range Loan term range Star rating
LendUp Variable $100-$500 30 days 10/10
ACE Cash Variable $200-$2000 7 to 30 days 9/10


  • At, you can apply for loans without much paperwork.
  • You can register for a loan at any time you want (24/7).
  • It can complete disbursements in an hour.


  • Some loan offers from certain lenders carry steep loan administration and processing fees.

Features of Payday Loans Oklahoma

Quick Access

Getting access to an online payday loan is easy even if you have a history of bad credit. Almost all providers ensure that the approval process takes less than 24 hours to complete. Once accepted, the loan funds will be sent to the applicant’s bank account within one business day. This is different compared to traditional lenders which take substantial time to approve a loan.

Interest Rates

Interest rates on these kinds of loans are very high. However, they mostly do not charge pre-payment penalties. This means that making early repayments is possible which can result in substantial savings on interest payments.

No Collateral Involved

With payday loans, it is not possible for lenders to seize any property or asset if you default on your repayments. They can however take legal action and drag you to court.

Simple applications

Filling out an application with a payday lender is easy and there isn’t any credit check necessary. These payday loans are available to most people who are over eighteen years of age, can show proof of income and proof of legal residence in the United States. Compared to other credit alternatives such as bank overdrafts which take several business days, these loans can be received within one working day.

Types of Payday Loans Oklahoma

Bad Credit Loans in Oklahoma

Individuals with bad credit are disqualified by most traditional loan providers because of bad credit. These individuals have no choice but to apply with payday lenders that provide loans for bad credit.

Payday lenders also do not normally check your credit report. This means that your credit rating will stay intact even if you enquire about loans.

Get a bad credit payday loan here >

No Credit Check Loans

Most people prefer payday loan lenders as they do not conduct credit checks on their reports. This means that you cannot get your credit score lowered by making any inquiries.

No credit checks loan also mean that the lender is able to approve and send the loan amount much faster than traditional banks and financial institutions.

Get a no credit check payday loan here >

Direct Lenders Loans

Many people prefer working with Direct lenders for security reasons. They know that the information they share will be between the lender and themselves. While security is a big concern, you may be missing out on favorable loan terms if you use direct lenders.

Instead of using direct lenders, you can go for payday loan providers like those mentioned above. This way you will increase your chances of approval and get more favorable terms when searching for loan agreements.

Get a direct lenders payday loan here >

Same Day Deposit Loans

Payday loan lenders almost always ensure same-day deposits that can let you access funds on the same day or the next business day.

This is a sought-after feature among payday loan applicants as they are normally in a position where they cannot delay any payments.

Get a same day payday loan here >

Unemployed Loans

Payday loan lenders can approve loans for individuals who are unemployed. They do not need to verify the client’s financial background or current credit rating.

This is welcome news for some individuals who are unemployed or who are freelancers who do not have any proof of income to show.

Get a unemployed payday loan here >

SSI Benefits in Oklahoma

Individuals qualifying for SSI benefits are usually physically, visually or financially impaired or are senior citizens. They usually have limited income and resources which disqualify them from accessing normal loans.

Payday loans can be the only alternative for individuals with bad credit. As mentioned earlier, these lenders do not take the borrower’s financial repayment ability into consideration.

Get a SSI benefits payday loan here >

Title Loans vs. Payday Loans Oklahoma

We’ve already gone through what payday loans are. Title loans are another credit choice for many consumers. Many people confuse the two terms but they are in reality, quite different. They differ from each other in the following ways.

Secured vs unsecured

The first thing you will notice is that title loans are secured while payday loans are unsecured. This is because title loans require collateral such as the borrower’s car or house. This is not the case with unsecured payday loans where there is no collateral involved.

Loan amount

The loan amount also differs between these two types of loans. While payday loans range between $500 to $5000 while title loans depend on the valuation of the asset put up as collateral.

Interest rates

Because payday loans are unsecured, interest rates tend to be higher compared to title loans. Payday loan lenders have to offset the risk of providing a loan to an individual without verifying the applicant’s background.

Advantages of Online Payday Loans Oklahoma

Quick Turnaround

Almost all payday loan applications take less than 5 minutes to complete. They are often advertised as instant loans that have same-day deposits. This is ideal for individuals who are in dire need of some funds.

Nil documentation and paperwork

Compared to traditional loans, payday loans require very few documents to apply. They are mostly processed online on the bank’s website or through their mobile app. There is no need of lengthy waiting and cumbersome processes to get your loan.

Loan amount as per your needs

Borrowers can apply for loans of up to $5000 depending on their needs. They provide ways to repay the loan conveniently. You do not have to show any reason for getting the loan and how you intend to use it. Just enter the amount and your preferred loan terms to start the application process.

Repayment tenures

Payday loans have short tenures ranging from several weeks to a few months. Many lenders allow early repayment, which allows borrowers to save substantially on interest payments.

Disadvantages Online Payday Loans Oklahoma

Interest rates

Payday loan lenders can charge high APR on loans along with high fees related to loan origination and processing. You should be careful and fully understand the terms of the loan before you apply.

Legal troubles

When you don’t repay your payday loan on time, some lenders may take you to court and begin legal proceedings against you. This can further drain your finances and even end up in your incarceration if you’re not careful.

How to get Online Payday Loans Oklahoma

Payday loan providers have very user-friendly websites that can allow applicants to easily apply for a loan in a matter of minutes. We’ve taken the example of Viva Payday Loans as an example.

Step 1: Visit Viva Payday Loans

The first step is to visit the official website. Find the “Apply Now” button on the top right-hand corner and click on it.

Step 2: Complete the application form

Viva Payday Loans likes to learn a little about their applicants. They require your name, income details, personal information, banking information and employment details. Depending on the lender you’re paired up with, you may be required to produce additional documents later.

Step 3: Get your decision

It just takes a couple of minutes for Viva Payday Loans to authorize your loan. You should stay on the screen while the process is happening. You will promptly be notified about the acceptance or rejection of your application.

Step 4: Receive your loan

As soon as your application is accepted by a lender, you will be sent a loan agreement to read through. After agreeing with the terms and conditions, sign the agreement and submit it. You will receive the loan within 24 hours of applying in most cases.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans


– Michigan 

– Louisiana 

– Kentucky


How much will a payday loan cost in Oklahoma?

What happens if I don’t pay a payday loan on time?

How many payday loans can take out at the same time?

Can I close my bank account to stop payday loans?

Can a payday lender garnish my wages?

About Prodosh Kundu PRO INVESTOR

Prodosh Kundu is the Founder & CEO of SERP Consultancy, a prominent Digital Marketing Company in Kolkata, India. Starting his career in 2004, he is a Google AdWords certified internet marketing professional, SEO consultant, strategist, and analyst. With his strong understanding of financial market regulations, stocks, blockchain technology, cryptocurrency, & forex, Prodosh has written thousands of articles, blogs, broker reviews, guides, and offered critical analysis & recommendations on investment opportunities!


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