You never know what’s going to happen in between paychecks. And if you get strapped for cash during that time, making ends meet can feel impossible and with no end in sight.
Fortunately, in Oklahoma, getting payday loans is quick and legal. Payday loans can help you out during times of need, or even when you just need a bit of extra cash for personal needs.
You don’t have to look far and wide for a trusted payday loan institution. You can find a convenient payday loan from your couch with one of Oklahoma’s short-term online loan services.
We’ve narrowed down the search for online, short-term loans in Oklahoma to the 10 best online payday loan services to help you out with your search. With any one of these 10 online services, you can get the money you need, when you need it. All you need to do is choose the service with the rates and amounts that you prefer.
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The 10 Best Online Payday Loans in Oklahoma
Here are the 10 best online payday loans in OK that can help you fill in the gaps for this month’s finances.
1. MoneyLion.com
Money Lion doesn’t deal with paying out payday loans specifically, but the platform provides users with comprehensive information regarding payday loan policies in Oklahoma. Plus, the service offers an alternative to payday loans with zero-percent interest called Instacash.
Oklahoma law states that an individual resident cannot exceed $500 when applying for a payday loan. Along with the funds, recipients will also receive an APR rate at a 10% maximum. Customers may also receive an additional charge of $15 per $100 for loans between zero and $300, and a $10 additional charge for loans between $300 and $500.
Money Lion’s Instacash service provides half of the Oklahoma payday loan maximum, $250, but does so with a zero percent interest rate, no additional fees, and instant deposit. When you use Money Lion, Instacash will not subject you to any credit checks, so if you have a poor credit score, you don’t have to worry about a rejected application.
The whole Instacash process is not only straightforward but also incredibly quick. Once you get approved, you can get the funds transferred into your checking account within minutes. To apply, you need to be 18 years of age or older, and have a reliable income.
Ultimately, Money Lion’s Instacash service is ideal for those in need of a payday loan quickly, but not to the full extent of Oklahoma’s allowed amount.
2. SnappyPaydayLoans.com
Snappy Payday Loans is an online payday loan direct lender in Oklahoma that believes in giving people the benefit of the doubt concerning finances. They understand that life happens and customers need money fast, especially in Oklahoma where the standard of living is higher than in most other states.
That’s why the company streamlined the payday loan application and approval process so that you can get your funds faster and more efficiently. Plus, Snappy Payday Loans’ entire institution resides online to optimize convenience and universal use, so you’ll never need to step foot in a physical store.
To uphold their credibility and provide customers with the protection they deserve, Snappy Payday Loans follows Oklahoma laws closely. You can expect a cap of $500 for payday loan applications along with the standard Oklahoma additional fees.
For a closer evaluation, Snappy Payday loans employs a 10% additional fee on funds over $300 and 15% for funds under $300.
While other online payday loan services may allow for simultaneous payday loans, Snappy PayDay Loans implements state-mandated recommendations to limit potential debt. In doing so, Snappy Payday Loans prohibits multiple payday loans, rollovers, and renewals. The company will also require a 390% APR rate, as Oklahoma law mandates.
Since payday loans have been criticized in the past, Snappy Payday Loans works to reinstate their usefulness by giving you the most benefits and attentive customer service.
3. FaaastCash.com
Faaast Cash is not a direct lender, but a service for online short-term loans in Oklahoma that takes your application and connects you with a verified Oklahoma lender for convenience and speed, without going through middle men or physical locations.
The online service uses encryption software to enhance their site’s security, keeping your personal information safe. Faaast Cash goes so far as to permanently delete your data from its servers after connecting you with a vetted lender.
As far as loan amounts and fees go, Faaast Cash follows Oklahoma laws in restricting the amount that you can apply for to a maximum of $500.
Roughly 80% of applicants get approved for their loans, according to Faaast Cash, but must meet the necessary eligibility requirements. Requirements include:
- proof of residency
- at least 18 years of age or older
- a steady income for at least three months
- a valid phone number or email address
- an active checking account
4. PaydayChampion.com
While some services for online personal loans in Oklahoma limit applications to specific cities, Payday Champion makes applying for loans widely acceptable whether you live in Oklahoma City or anywhere else within the state.
Like other online payday loans in Oklahoma, Payday Champion restricts its payday application limit to $500 maximum, along with the required additional fees. Payment terms can last anywhere between 12 and 45 days but require payment in full on the exact date. If you can’t meet the payment date, you may face a fine.
Payday Champion’s online application is straightforward and broken into three required sections to determine your approval. All you need to complete the online application is some essential employer, personal, and financial information. To speed up the process, you can give Payday Champion a call and apply over the phone.
After you submit your application, you get timely approval and money in your wallet within one business day. If you find yourself particularly strapped for cash, you can take out up to two payday loans at once.
Payday Champion makes its services available 24/7 because it understands that emergencies can land on you whenever and wherever you are. Not to mention, the online payday loan provider is a trusted, national lender.
5. MaybeLoan.com
Maybe Loan’s online installment loans in Oklahoma takes only five minutes to apply, giving you approval and access to funds faster than any competitor.
The company also doesn’t question your credit score or what you plan to use the money for. Maybe Loan understands the need for payday loans despite credit scores and will provide funds to whoever needs them, as long as you can pay the loan back, which is why they require proof of steady income.
Besides not needing your credit score, Maybe Loan also cuts out a lot of unnecessary documentation and questioning from their application process so that you can get your money faster. With Maybe Loan you can get approved for online personal loans in Oklahoma within two minutes.
You can also take advantage of the Maybe Loan website’s payday loan calculator. The calculator lets you insert your desired loan amount and term and will provide you with the total monthly, interest, and finance charge costs.
Since the site is verified and trusted, you can rely on the customer service representatives and platform to answer all of your questions while protecting all of your confidential information.
6. ExtLoansUSA.com
If you want the maximum amount for your online, short-term loan in Oklahoma, you might want to consider ExtLoansUSA, the online payday loan service that provides loans up to $1,000 and a $100 minimum.
You should keep in mind that ExtLoansUSA requires the loan payback either within your next payday date or 30 days before you apply for the full $1,000. You might want to consider Oklahoma loan laws and regulations before applying for the greatest amount, as these laws may limit the application amount.
ExtLoansUSA has straightforward eligibility requirements. You must be at least 18 years old, legally reside in Oklahoma with a valid address, and have a steady income source. The service’s online application is equally simple and takes only minutes to complete.
From there, you can expect approval within three minutes, in which you will connect with a lender to receive your funds. To get your funds, you’ll need to provide your checking account information and can expect the funds in your account within a single business day.
ExtLoansUSA has a network of over 100 lenders and has an online platform that’s safe and secure, which means you can trust the institution to keep your personal information under lock and key.
7. CheckintoCash.com
Sometimes you need extra money for unexpected expenses, or to stretch your buying power just a little bit more until your next paycheck. Whatever the reason, Check into Cash is a go-to source for personal installment loans in Oklahoma.
Check into Cash provides minor-sized payday loans to Oklahoma residents in need of convenience and cushion in their finances. Check into Cash offers payday loan applicants to request up to $1,500 and a minimum of $50, but since the service adheres to Oklahoma state laws, the maximum you can apply for is $500.
The application process is quick and easy with approval following in minutes. To get your funds, you can request a direct deposit and expect a prompt delivery within the next business day, or you can receive funds in-person at a physical location near you.
If you want to see what you’re getting into before you send your application for approval, you can get a quick quote from one of Check into Cash’s professional customer services.
8. CashOne.com
With over 500,000 payday loans successfully paid out and a security system in place to protect sensitive client information, you can trust Cash One for short-term loans in Oklahoma. Plus, the online service adheres to Oklahoma laws concerning payday loan limitations.
When you use Cash One, you can request a $100 minimum to a $500 maximum. The additional fees for payday loans $300 or lower will not exceed 15%, or 10% for payday loans above $300 following Oklahoma law.
Cash One’s online application is quick and easy, with approval arriving promptly. Once you get approved, the service will use direct deposit to give you the funds within one business day.
When it comes time to pay back your borrowed amount, you don’t have to worry about remembering amounts or dates because Cash One will automatically withdraw the required amount from your account.
You can take out a maximum of two payday loans with Cash One at once. But, you can continuously apply for loans after you finish with one. After five consecutive payday loan approvals, the service requires at least two days to rest before applying again.
If you cannot pay back the loan on the given day, or your account gets overdrawn from the automatic withdrawal, you may receive a $25 penalty. No jail-time penalty can occur as Oklahoma prohibits that action for payday loans.
9. CashSpotUSA.com
All it takes to apply for online personal loans in Oklahoma with Cash Spot USA is a single click of a button. The application form is posted directly on the homepage of Cash Spot USA’s website and only requires your name, phone number, and email address.
Following Oklahoma laws, you will need to provide your age and income, but those steps don’t take too long either when you use Cash Spot USA.
Since payday loans are a popular resource in Oklahoma, Cash Spot USA makes access easy without a credit check when you apply. Therefore, even if you have a poor credit score or a score not up to the lender’s standards, you can still apply and get approved for Oklahoma-approved amounts.
Besides delivering funds promptly, Cash Spot USA works hard to ensure your privacy. The online service has encryption security and promises all customers to never sell or use their personal information in any way.
Cash Spot USA also pairs customers with lenders that best suit their needs, so you can rely on them to get you the best possible service that suits your situation. Plus, they don’t charge additional fees when you use their service.
10. OnlineCashLand.com
Some online loan services might charge an application fee, but you don’t have to worry about that requirement when you use Online Cash Land for an online personal installment in Oklahoma. Online Cash Land is upfront about who they are and what they can do. They provide quick and easy access to online payday loans in Oklahoma.
When you use Online Cash Land to acquire a payday loan, even if you have poor credit, you get access to various payment plans that work for you so that you can rebuild damaged credit or maintain your score. All of their payment options are secured to keep your personal information safe.
Applying for a payday loan through Online Cash Land won’t take you any more than 10 minutes and won’t require any exhaustive background research.
Since Online Cash Land is an affiliate with Oklahoma, you can expect state-regulated limitations on the amounts to apply for and additional fees. If you receive your loan, and then realize you no longer need the money, you can return the funds within three days of receiving them where other services won’t allow such returns.
While other online payday loan services use third-party interfaces, Online Cash Land does not. Instead, if you have any questions surrounding loans, you can interact with their expert customer service for prompt responses and thorough explanations.
Conclusion
Whether you need extra money in between paychecks or have some urgent financial debts to pay off, you can apply for a payday loan online to receive funds promptly and conveniently from home.
When searching for an online personal loan in Oklahoma, you want to make sure that the provider can pay out the amount you need without ridiculous or hidden fees, or credit-harming procedures.
These 10 best online payday loans in Oklahoma tick every box on the list for payday loan providers. All you have to do is choose one.