About 1 out of every 8 Oklahomans have used payday loans to access cash. We researched interest rates, online applications and qualifications to help you decide which Tulsa payday lender is best to help you when you need fast access to cash.
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How we chose the best
We researched payday lenders and policies to see where you can get the best payday loans in Tulsa.
There a few types of short-term loans available to consumers, regardless of their credit history. A payday loan is usually between $100 and $500 and is repaid all at once when you get your next paycheck. A signature loan is often slightly larger than a payday loan and can be paid back in installments or one lump sum. We found Tulsa lenders that offer payday loans or signature loans to help you find your best options for short-term loans.
Payday loan laws in Tulsa
Individual states regulate payday loans. Oklahoma payday lenders cannot charge more than $15 in finance fees (or interest) per $100 for loans up to $300. For every additional $100, they can't charge more than $10 in interest.
This means for a $300 loan, you'll pay no more than $45 in finance charges, and for a $500 loan, you’ll pay no more than $65 in finance fees. When you calculate the annual percentage rate on those finance fees, it works out to 340 to 400 percent interest. For comparison, credit cards typically have an interest rate between 12 and 25 percent. To offset the high cost of these loans, look for a lender with special pricing. For example, Speedy Cash has special discounts and promotions for new customers and for repaying your loan in full before it’s due.
How to apply for a payday loan in Tulsa
Each lender has different requirements for qualifying for a payday loan in Tulsa. In general, you’ll probably need to meet these requirements to apply for a payday loan.
Be an Oklahoma resident
Have a valid, government-issued, photo ID
Have a social security card
Have a checking account with checks that have your name and current address on them
Have a verifiable and recurring source of income
If you have questions about whether you’ll be able to qualify or need to know what to bring with you when you apply for the loan, call the payday lender directly.
Payday lenders in Tulsa
Many payday loan companies in Tulsa have more than one location or have multiple locations with different names. For example, The Loan Lady company has nine different stores that each operate under their own name. We listed the address and contact info for Globe Loan Services, but you’ll likely get the same rates and services at any of the nine stores.
The majority of payday loan stores in Tulsa are in the east Tulsa. The area that comprises the 74145 and 74146 ZIP codes, roughly 31st Street to 61st Street between Sheridan Road and South 129th East Avenue, has a much higher than average number of payday loan stores. Broken Arrow also has a high number of payday lenders. That said, there are enough lenders in Tulsa that you can probably find one in your neighborhood, or you could take advantage of the online applications offered by some lenders, including Speedy Cash, Check Into Cash and CashNetUSA.
Speedy Cash offers online payday loans to customers in Oklahoma. You won’t need to fax anything to the company, and you can get a decision instantly. Online reviewers from Tulsa say the lender has friendly and helpful customer service. They also like the speed of getting their application approved.
CashNetUSA offers payday loans online and can deposit funds into your account within a day. They have an online chat tool, so it’s easy to ask questions if you have any concerns. Tulsa reviewers say the whole process is simple and convenient.
American Loans of Tulsa/Signature Loans
American Loans of Tulsa makes signature loans, not payday loans, so you can pay back your loan over a longer period. This lender offers terms up to six months. They’re unique in that they don’t require you to have a checking account to get a loan.
Check n Go
Check ‘n Go has an online application and locations in Tulsa, Owasso, Broken Arrow, Skiatook, Sapulpa, Claremore and Coweta. Whether you apply online or in person, you can get a decision quickly and receive your money the following day. They have an A+ rating from the BBB.
ACE Cash Express
ACE Cash Express offers signature loans instead of payday loans in Oklahoma, so you can pay them back over a longer period of time. It has several locations in Tulsa, and the company has an A+ rating from the BBB. Some Tulsa customers give ACE high ratings in online reviews.
The Loan Lady
There are nine different payday loan stores that operate under The Loan Lady: Signature Loan Service, Best Loan Service, Globe Loan Service, Sooner Loan Service, General Loan Service, Broken Arrow Loan Company, Personal Loan Service, Sheridan Loan Service and Time Finance Company. These companies offer signature loans, not payday loans.
Advance America has three Tulsa locations, and it offers an online application. It has an A+ rating from the BBB, and some Oklahoma reviewers reported receiving good service from the company. It makes signature loans and payday loans.
Payday Money Store
The Payday Money Store offers loans up to $500. You will need a bank account that’s been open at least 45 days at a bank that has a branch in Tulsa, and you’ll need to show you’ve been at your job for at least 30 days.
Approved Cash has five stores in the Tulsa area. Different locations get different ratings from the BBB, ranging from a B- to an A+. A few online reviewers report positive experiences with the company and say they have understanding employees.
American Check Cashers
American Check Cashers offers payday loans of up to $500, but new customers are limited to a loan of no more than $200. The company has an A+ rating from the BBB and has some positive reviews online.
National Quik Cash
National Quik Cash is a part of LendNation and has locations in Tulsa, Sand Springs, Broken Arrow, Owasso and Bixby. Online reviewers say the store in Tulsa has friendly employees. You can’t apply online, but you should be able to get your cash the next day if you’re approved.
In online reviews, Tulsa customers say that Money Mart has friendly employees and offers fast service. You can apply for a loan in just a few minutes and get your money the same day. They don’t offer online applications in their Oklahoma stores.
Family Loan Company
The Family Loan Company offers signature loans, not payday loans, and the Tulsa location has an A+ rating from the BBB. They’re owned by Family Advance Loan Centers, which also operates A-1 Acceptance & Loan Co. in Tulsa and A-1 Money Mart Loans in Owasso.
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