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Find the Best Payday Loans in Tulsa, OK

by Sandi Pope ConsumerAffairs Research Team

Tulsa residents who need fast cash and can’t wait until their next paycheck often consider payday loans. These loans, which are also called paycheck advances, are short-term, high-interest loans that don’t require good credit. We researched the best payday loans in Tulsa so you can start applying online or in a store.

Top 13 Tulsa Payday Loan Companies

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Payday loans are popular in Oklahoma, where they are officially referred to as deferred deposit loans. According to the state’s Department of Consumer Credit, there were more than 815,000 deferred deposit loans in Oklahoma in 2018, totaling close to $340 million. The Pew Charitable Trusts estimates that 1 in 8 adults in the state have taken out a payday loan, among the highest rates in the U.S.

Consumers can use payday loans for nearly anything. Because of the high borrowing cost and short repayment term, they are most appropriate for emergency situations when less expensive alternatives aren’t available. Some payday lenders give you same-day cash. Before you take out a payday loan, make sure you understand how they work and the pros and cons.

Payday loan laws in Tulsa, OK

A payday loan in Tulsa allows you to borrow up to $500 for a term of 12 to 45 days. Payday loan finance charges are regulated by Oklahoma state law.

Payday loan finance charges in Oklahoma

Amount borrowedMaximum finance charge
Up to $300$15 for every $100 advanced
$300 - $500$15 for every $100 advanced up to $300, then an additional $10 for every $100

You cannot renew a payday loan in Tulsa. If you take out a payday loan and wish to cancel it, you have the right to do so until 5 p.m. the next business day.

How to apply for a payday loan in Tulsa

Payday loan requirements in Tulsa vary slightly from lender to lender, but in general, you need:

  • Valid ID
  • Open and active checking account
  • Phone number
  • Proof of income

Depending on the lender, you can apply online, over the phone, in person or using a combination of these methods. After you apply, the lender quickly lets you know if you are approved. Make sure to read the loan agreement carefully so you understand the total cost of the loan, the loan's due date and how to make repayment. If you apply in person, the cash is distributed while you're in the store. Otherwise, it may take one to two business days before the money is electronically deposited into your account.

Tulsa payday loan FAQ

Is it hard to get a payday loan in Tulsa?
No, it isn’t hard to get a payday loan in Tulsa. You don’t need good credit, and it doesn't have a lengthy application process. Have your ID and proof of income ready. You also need an active checking account.
What credit score is needed for a payday loan in Oklahoma?
There is no minimum credit score needed to apply for a payday loan in Oklahoma. Some payday lenders don’t even check your credit.
What are some payday loan alternatives in Tulsa?
Because of the high cost of payday loans in Tulsa — annual percentage rates can exceed 450% on some loans — you should first consider payday loan alternatives. These include:
  • Applying for a loan from a bank or credit union
  • Asking family or friends for a loan
  • Requesting a new payment plan or extensions from creditors
  • Talking to your employer about a paycheck advance

Not sure how to choose?

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    Tulsa payday loan company information

    Payday Money Store

    Payday Money Store offers fast, friendly payday loans with no credit checks. Start an application online, bring the required information to the Tulsa store and get cash right away. Payday Money Store offers a privacy and security guarantee with transparent rates and fees. APRs are between 398% and 517%.

    • Address: 7464 E. Admiral Place, Tulsa, OK 74115
    • Phone: (918) 836-4061
    • Hours: M - F: 10am - 6pm
    • Website: paydaymoneystores.com
    LendNation Tulsa

    LendNation offers online and in-store payday loans to Tulsa residents. Customers can get up to $500 as long as they have a U.S. ID, verifiable source of income, active checking account and two references. LendNation doesn’t use your credit score and doesn’t charge a prepayment penalty.

    • Address: 4343 S. Memorial Drive, Ste. C, Tulsa, OK 74145; Multiple locations
    • Phone: (918) 663-0724
    • Hours: M - Th: 9am - 6pm; F: 9am - 7pm; Sat: 9am - 2pm
    • Website: lendnation.com/location/ok
    Star Finance

    Star Finance specializes in providing dependable financial assistance during emergencies. It offers cash advances and postdated check loans. Star Finance has more than 22 years of experience and is locally owned and operated.

    • Address: 7929 E. 21st St., Tulsa, OK 74129
    • Phone: (918) 835-3543
    • Hours: M - F: 9am - 5pm
    • Website: starfinancetulsa.com
    Sooner Loan Service

    Sooner Loan Service offers signature and postdated check loans with longer terms than payday loans. Loan amounts range from $100 to $700. Apply online, in person or over the phone and get an approval decision in an hour or less. Then pick up your cash at Sooner Loan Service’s location on Sheridan Road.

    • Address: 3124 S. Sheridan Road, Tulsa, OK 74145
    • Phone: (918) 582-7173
    • Hours: M - F: 8am - 6pm
    • Website: soonerloanservice.com
    Cashland Tulsa

    Cashland offers a revolving line of credit loans up to $1,500 to Tulsa residents. Fill out an application and receive a cash advance in about 20 minutes. There is no application fee and no penalty for paying early. Cashland has been lending in Oklahoma for more than 30 years.

    • Address: 6229 E. 21st. St., Tulsa, OK 74114
    • Phone: (918) 838-2435
    • Hours: M - F: 10am - 6pm; Sat 10am - 2pm
    • Website: cashlandok.com
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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