5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Oklahoma

We have found 118 personal loans in Oklahoma. Compare and choose the best loan for your purpose.

By Myfin Team
Updated December 09, 2022
Showing 118 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
7.96 - 35.97 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    1.85 - 8.99%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast funding**
    • Wide range of loan amounts
    • Accessible to most borrowers
  • Cons:
    • Origination fee

Upgrade personal loans are designed for mainstream appeal, supporting a wide range of credit scores and incomes.

Upgrade offers 36-month or 60-month fixed-rate personal loans, which generally range from $1,000 to $50,000, in 44 states. Upgrade loans are not available in Colorado, Connecticut, Iowa, Maryland, Vermont and West Virginia.

You can repay your Upgrade personal loan over three or five years.

To apply for an Upgrade personal loan, you’ll start by filling out a one-page application to see which terms you qualify for based on a soft credit check (or credit inquiry that doesn’t impact your credit score).

** Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.96% - 35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

Read full review

See Upgrade full product review
Check rates
On partner's site
Search for best loan
Showing 118 personal loans
Amount
$
Credit Score
City, state or Zip
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Oklahoma

Showing 5 banks
Sort by: Branches
Branches 48 bank branches
Total Assets (US$M)45,202,565
Danforth And Kelly Branch
1325 North Kelly Avenue, Edmond, OK, 73003
Edmond 15th & Bryant Branch
1400 East 15Th Street, Edmond, OK, 73013
South Santa Fe Branch
1400 South Santa Fe Avenue, Edmond, OK, 73003
Show all departments
Branches 45 bank branches
Total Assets (US$M)33,075,693
Edmond East Branch
1601 East Danforth Road, Edmond, OK, 73034
33rd & Broadway Branch
3232 S. Broadway, Edmond, OK, 73013
Uco Union Branch
100 North University Drive, Edmond, OK, 73034
Show all departments
Branches 35 bank branches
Total Assets (US$M)3,380,824,000
Bryant And 2nd
300 S Bryant Ave, Edmond, OK, 73034
Friday: 9:00 AM - 5:00 PM
Broadway And 15th
18 E 15Th St, Edmond, OK, 73013
Friday: 9:00 AM - 5:00 PM
Edmond Rd And Santa Fe
2307 W Edmond Rd, Edmond, OK, 73012
Friday: 9:00 AM - 5:00 PM
Show all departments
Branches 24 bank branches
Total Assets (US$M)27,171,310
Edmond Kelly Branch
1601 South Kelly Avenue, Edmond, OK, 73013
Chickasha Branch
500 West Grand Avenue, Chickasha, OK, 73018
Davis Branch
1300 East Main Street, Davis, OK, 73030
Show all departments
Branches 23 bank branches
Total Assets (US$M)2,440,022,000
Edmond Bryant
333 N Bryant Ave, Edmond, OK, 73034
Friday: 9:00 AM - 4:00 PM
Edmond Boulevard
3480 South Blvd, Edmond, OK, 73013
Friday: Closed
Norman Main Street
Friday: 9:00 AM - 4:00 PM
Show all departments

Personal Loans in Oklahoma

Personal loans remain an indispensable means for financing some of the most impactful life decisions. However, it’s easy to get lost in the multitude of different offers and end up with a sub-optimal loan at best. This page will explain the intricacies of obtaining an affordable personal loan in Oklahoma.

What Should I Consider to Find the Best Personal Loans in Oklahoma?

The most important parameters to consider are the APR, loan amount and loan term. The APR essentially determines how much money you will lose over the course of one year, expressed as a percentage rate relative to the original loan. Aside from this, most lenders charge a one-time processing fee upon granting a loan, known as the origination fee. You should always strive to minimize the APR and origination fee on your loan.

Regarding loan amount, remember that the less the amount, the less interest you’ll have to pay in absolute terms. It is also significantly easier to obtain smaller loans, and the resulting conditions are often more favorable. On the other hand, you should make sure that the sum suffices to account for your expenses. If unsure, consider applying for a flexible loan, which allows you to return parts of the loan early. Note that, as of now, these are only offered by some of the providers.

Whereas most lenders do not ask for a collateral, some actually will. Such secured loans commonly have lower interest rates. If you are confident in your ability to return the loan (as you should be), this may further help save some money.

Best Oklahoma Lenders for Personal Loans

We have compiled the following table to show details for the major loan providers active in the state and their terms.

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Upgrade
7.96 - 35.97%$1,000 - $50,0003 - 5 years1.85 - 8.99%From Poor (300-579) to Fair (580-669)Check rates
On partner's site

As can be seen, LightStream offers the best conditions for loans starting at $5,000, with low APRs and absent origination fees. For smaller loans, Upstart, Upgrade, and Best Egg might fit the bill. The first two of these also do not require a stellar credit history.

Simple Tips for Increasing Personal Loan Approval Odds in Oklahoma

There are a number of ways to maximize your chances of being granted approval when asking for a personal loan. Let’s go through some of the major ones.

Maintain a decent credit score

This is by far the most important advice. Most of your encounters with debt will be faithfully reflected in your credit score. For lenders to be willing to do business with you, you must demonstrate your trustworthiness. This includes timely payment, not using more money than strictly necessary, and watching out for possible errors in credit reports. In return, you will have an easier time taking new loans and likely be offered better conditions while doing so.

Don’t ask for too much

The risk a financial player endures is inversely correlated with the amount of money in play. Because of this, smaller loans are commonly handed out to more clients (e.g. with lower minimum credit score) and under milder conditions.

Don’t bury yourself in debt

If you already owe a lot of money to someone, lenders will be wary of handing you more. Before applying for a personal loan, consider paying off as much existing debt as possible.

Find a joint applicant

A joint applicant is someone who will have a share in your debt. You will be jointly held accountable, and your circumstances will be considered together. In case you have a partner who is better off financially, this might be an option you would like to propose.

Complete pre-approval

Most providers offer a quick pre-approval process, in which you can submit some information about yourself and receive a preliminary estimate of whether you should expect approval in case you request this or that personal loan. This means you don’t have to waste your time on applications that are unlikely to succeed.

FAQ

What company is the easiest to get a personal loan in Oklahoma?

Clients with poor credit scores should consider LendingClub, Upstart and Upgrade, Inc. They have the least stringent requirements for personal loans and grant amounts starting from $1,000.

What credit rating do I need to be approved for a personal loan in OK?

Your credit score must be no less than 300 (Poor rating) in order for lenders to consider your application.

Can I pay off my loan early in Oklahoma?

It is possible to return your loan at any point during the loan term. However, don’t forget that many lenders charge an extra fee to offset some of the lost interest in such cases. Consult your credit agreement to find out what applies in your situation.
Myfin TeamMyfin Team

Author, editor

content@myfin.us

Loans in other cities in Oklahoma