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Best Personal Loans in Tulsa, OK

March 3, 2021, 12:13 p.m.

A personal loan can relieve financial hardship or be used to fund weddings, home improvement projects or even vacations. For Tulsans who need money for a big expense, we researched the best personal loan companies in Tulsa offering easy applications and competitive APRs.

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How we chose the best

We thoroughly researched personal lenders to see where you can get the best deal.

41 Hours researched
73 Reviews analyzed
28 Companies evaluated
11 Companies selected
×
#1
OUR FAVORITE
Best Egg

Qualify in minutes!

Personal Loan Pro
Personal Loan Pro
Features
  • Loans up to $50,000
  • Get funds in as little as one business day
  • No cost to see offers from lenders
  • Available in Tulsa and nationwide
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Best Egg
Best Egg
Features
  • Funds as fast as 1 business day
  • Select the term that works best for you
  • No prepayment penalties
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FreedomPlus
FreedomPlus
Features
  • One fixed monthly payment
  • Same-day loan decisions
  • $7,500 - $40,000 loans
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Credit Direct Loans
Credit Direct Loans
Features
  • Loans up to $40,000
  • Apply online
  • A+ BBB rating
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OneMain Financial
OneMain Financial
Features
  • $1,500 to $30,000 loans
  • Fixed rates & payments
  • 1,600 local branches
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Location
3602 E. 51st St.
Tulsa, OK 74135
(800) 742-5465
Best Loan Service
Best Loan Service
Features
  • 1 hour loan approval
  • $100-$700 loans
  • Locally owned
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Location
1503 S. Sheridan Rd.
Tulsa, OK 74112
(918) 834-7535
LendingTree
LendingTree
Features
  • lendingtree.com
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Oklahoma Central Credit Union
Oklahoma Central Credit Union
Features
  • M-Th: 9am - 5pm
  • F: 9am - 6pm
  • Closed Sat and Sun
  • oklahomacentral.org
Location
4956 S. Peoria Ave.
Tulsa, OK 74105
(918) 664-6000
Tulsa Teachers Credit Union
Tulsa Teachers Credit Union
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • ttcu.com
Location
3720 E. 31st St.
Tulsa, OK 74135
(918) 749-8828
Dixie Finance
Dixie Finance
Features
  • M-F: 9am - 5:30pm
  • Closed Sat & Sun
  • wallacemgt.com
Location
507 N. Aspen St.
Broken Arrow, OK 74012
(918) 258-0404
American Loans of Tulsa
American Loans of Tulsa
Features
  • M-F: 8am - 5:30pm
  • Closed Sat & Sun
  • americanloanstulsaok.com
Location
614 S. Main St.
Tulsa, OK 74119
(918) 582-0461

Getting a personal loan in Tulsa

Tulsa skyline

Tulsans take personal loans for a variety of reasons, such as unexpected vehicle repair, water heater replacement, home improvement projects and student loans. Personal loans range from $1,500 to $40,000. Their fixed interest rates are typically lower than putting a large expense on a credit card and accruing interest.

The most common personal loan types are secured, unsecured and fixed-rate loans:

  • A secured loan requires collateral like real estate or other assets.
  • An unsecured loan is given without collateral.
  • Debt consolidation loans help refinance unsecured debt, such as credit cards.
  • Payday loans are instant, unsecured loans against your next paycheck.

Most personal loans in Oklahoma are capped at $40,000, but a payday loan here cannot exceed $500.

While most personal loans require good credit, there are options for those with bad credit. Online lenders and credit unions offer more flexible terms than traditional lenders. Online lenders consider loan applicants with credit scores as low as 580. The Tulsa branch of OneMain Financial does not require a minimum credit score. However, the lower your credit score, the higher the annual percentage rate (APR).

The process of getting personal loans in Tulsa

Before you take out a personal loan, consider what fees you may incur. Sometimes, personal loans require an application or origination fee, which can vary between 0.5 and two percent. Some lenders roll origination fees into the final loan total so there are no fees to pay upfront. Those who miss a monthly loan repayment will be charged heavy late fees, which can add up fast.

Once you complete an application for a personal loan, a lender will determine eligibility by considering your credit score and debt-to-income ratio. If you are approved, the lender will require government-issued ID, a Social Security card and for secured loans, collateral.

Your lender will discuss loan terms, including monthly repayment plan. Once approved, funds will be deposited into your banking account. Some lenders deposit funding in as little as one to two business days. Loans are paid back at a term agreed upon with your lender, typically between three and five years.

Personal Loan Pro

Personal Loan Pro VISIT PERSONAL LOAN PRO

More than 5 million people have used Personal Loan Pro to search for personal loans. The free online service connects you with lenders for loans in Tulsa from $1,000 to $50,000. Rates at the time of publishing are as low as 2.49%. Start by answering a few questions, and you can get offers in just two minutes, with no effect on your credit score. Funds are available as soon as the next business day.

Best Egg

Best Egg VISIT WEBSITE

Best Egg, an online lending platform, works quickly to provide financial freedom for its customers. Best Egg offers a wide variety of personal loans to fit individual needs. Qualified applicants can receive personal loans between $2,000 and $35,000. Customers praise their easy application process and fast depositing service.

FreedomPlus

FreedomPlus

Offering up to $40,000, FreedomPlus awards personal loans to qualified candidates based on credit scores, payment history and individual job profiles. FreedomPlus offers a personal consultation to discuss financial goals, same-day approvals and deposits funds within three business days.

Credit Direct Loans

Credit Direct Loans

A personal loan can relieve financial hardship or be used to fund weddings, home improvement projects or even vacations. For Tulsans who need money for a big expense, we researched the best personal loan companies in Tulsa offering easy applications and competitive APRs.

OneMain Financial

OneMain Financial

OneMain Financial, in business for over 100 years, provides secured (collateral required) and unsecured (no collateral required) personal loans between $1,500 and $35,000. However, online reviews gripe about the company’s denial of loans, high interest rates and poor telephone communication.

Best Loan Service

Best Loan Service

Tulsans can apply for personal loans online or in-person with Best Loan Service, a lending company in business for almost 30 years, Loans range from $100 to $700 and are paid in cash with no credit check required. Tulsans report a good experience thanks to friendly and personable service.

ConsumerAffairs content is intended to be used for general information purposes only. Before you make any investment, it is very important to do your own analysis based on your own personal circumstances and consult with your own investment, financial, tax and legal advisors.