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Best Payday Loans in Tulsa, OK

Updated 10/12/2018

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.

#1 MOST POPULAR
Speedy Cash
Speedy Cash
QUALIFY NOW Features
  • Loan amounts: $100 to $300
  • Available online 24/7
  • Online application available
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#2
CashNetUSA
CashNetUSA
QUALIFY NOW Features
  • Loan amounts: $100 to $500
  • Available online 24/7
  • Online application available
Read More
American Loans of Tulsa/Signature Loans American Loans of Tulsa/Signature Loans Features
  • Loan amounts: $30 to $300
  • M-F: 8am - 5:30pm
Contact info
614 S. Main St.
Tulsa, OK 74119
(918) 302-2843
Check n Go Check n Go Features
  • Loan amounts: $50 to $500
  • M-Th: 10am - 6pm
  • F: 10am - 7pm
  • Sat: 10am - 2pm
Contact info
3712 E. 51st St.
Tulsa, OK 74135
(918) 238-7037
ACE Cash Express ACE Cash Express Features
  • Loan amounts: $50 - $700
  • M-F: 8am - 8pm
Contact info
10664 E. 31st St., Ste. B
Tulsa, OK 74146
(918) 376-3507
The Loan Lady The Loan Lady Features
  • Loan amounts: $100 to $700
  • M-F: 8am - 6pm
Contact info
2806 E. 11th St.
Tulsa, OK 74104
(918) 205-9382
Advance America Advance America Features
  • Loan amounts: $100 to $500
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 3pm
Contact info
1620 N. Lewis Ave.
Tulsa, OK 74110
(918) 347-4860
Payday Money Store Payday Money Store Features
  • Loan amounts: $100 to $500
  • M-F: 10am - 6pm
  • Sat: 10am - 1pm
Contact info
7464 E. Admiral Pl.
Tulsa, OK 74115
(918) 238-7796
Approved Cash Approved Cash Features
  • Loan amounts: $50 to $500
  • M-F: 10am - 6pm
  • Sat: 9:30am - 1pm
  • Sun: 12pm - 5pm
Contact info
5907 E. Admiral Pl.
Tulsa, OK 74115
(918) 708-9970
American Check Cashers American Check Cashers Features
  • Loan amounts: $100 - $500
  • M-F: 8:30am - 5:30pm
  • Sat: 9am - 1pm
Contact info
10798 E. 41st St.
Tulsa, OK 74146
(918) 216-0253
National Quik Cash National Quik Cash Features
  • Loan amounts: $50 - $500
  • M-F: 9am - 6pm
  • Sat: 10am - 4pm
Contact info
4343 S. Memorial Dr., Ste. C
Tulsa, OK 74145
(918) 992-4513
Money Mart Money Mart Features
  • Loan amounts: $50 - $500
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 10am - 2pm
Contact info
4724 S. Union Ave.
Tulsa, OK 74107
(918) 351-7893
Family Loan Company Family Loan Company Features
  • Loan amounts: $150 to $1,500
  • M-F: 8:30am - 6pm
  • Sat: 8:30am - 12pm
Contact info
5649 S. Mingo Rd., Ste. K
Tulsa, OK 74146
(918) 201-1247

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Tulsa Payday Loans

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.

woman giving payday loan

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

Speedy Cash

Qualifications: Checking account, proof of recurring income, valid phone number

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.

VISIT SPEEDY CASH

CashNetUSA

CashNetUSA

Qualifications: Active email address, checking account, proof of recurring income

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.

VISIT CASHNETUSA

American Loans of Tulsa/Signature Loans

American Loans of Tulsa/Signature Loans

Qualifications: Six-month income verification, proof of Tulsa residence for at least one year, $1,000 a month minimum income

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

Qualifications: Active checking account, an active phone number, proof of recurring income, a valid photo ID

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

Qualifications: ID, proof of recurring income, checking account

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

The Loan Lady

Qualifications: Proof of recurring income with 30 days at job and proof of 30 days as a Tulsa resident

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

Advance America

Qualifications: Government ID, Proof of recurring income, active checking account

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

Payday Money Store

Qualifications: Bank account that's been open for ar least 45 days with a bank with local branches, proof of recurring income with 30 days ay job, government ID.

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

Approved Cash

Qualifications: Checking account, proof of income, blank personal check, Social Security Number, drivers license

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

Qualifications: Checking account that's been open for 30 days, proof of recurring income, proof of residence at a local address

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

Qualifications: Government ID, proof of income and a bank account that's been open for at least 30 days

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.

Money Mart

Money Mart

Qualifications: Valid checking account, valid email address, proof of steady income, an active phone number, a valid government ID

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

Family Loan Company

Qualifications: Proof of income, local residency, credit check

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.