- Payday loans in Achille follow Oklahoma law (Oklahoma Deferred Deposit Lending Act (59 O.S. §§ 3101–3119)).
- Borrowing $300 at the state maximum costs $45.
- The nearest larger city is Ardmore, about 49 miles away.
Achille at a glance
| Achille | |
|---|---|
| Population (2024 Census estimate) | 429 |
| Change since 2020 | +6.2% (growing fast) |
| County | Bryan County |
| Size rank among 411 Oklahoma places we cover | 326th |
| Nearest larger city | Ardmore (about 49 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 8 (about 29,002 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
Whether you borrow at a storefront in Ardmore or online from Achille, the lender must hold a Oklahoma license from the Oklahoma Department of Consumer Credit and follow state limits.
Credit unions near Achille
NCUA data (June 2026) shows no credit union headquartered in Achille or Bryan County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Achille
Key Oklahoma limits that apply to Achille borrowers: maximum loan: $500; maximum fee: $15 per $100 on the first $300, then $10 per $100; loan term: 12 to 45 days. See the full Oklahoma payday loan rules.
What a $300 loan costs in Achille
The Center for Responsible Lending put the typical APR on a $400 payday loan in Oklahoma at 424% (June 2023). For $300 at the state maximum, expect $45. Check any offer with our payday loan calculator.
Other help in Bryan County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Achille that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Achille
The nearest larger city is Ardmore, about 49 miles away. See all 411 Oklahoma cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Achille?
Yes. Payday loans are legal in Achille under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Achille?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Achille?
NCUA data shows no credit union headquartered in Achille or its county. Use the NCUA credit union locator to find branches and online credit unions.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Oklahoma Legislature — SB 1565 (2004)
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary