- Payday loans in Apache 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 Lawton, about 19 miles away.
Apache at a glance
| Apache | |
|---|---|
| Population (2024 Census estimate) | 1,008 |
| Change since 2020 | -2.9% (shrinking) |
| County | Caddo County |
| Size rank among 411 Oklahoma places we cover | 210th |
| Nearest larger city | Lawton (about 19 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Caddo County | 1 |
| Other towns within 25 miles | 16 (about 111,720 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
Payday lending in Apache follows Oklahoma state law. Lenders that serve Apache, in a store or online, must be licensed by the Oklahoma Department of Consumer Credit.
Credit unions near Apache
No credit union has its main office in Apache, but these are based elsewhere in Caddo County (NCUA, June 2026):
- Cooperative Employees Credit Union in Anadarko (state charter)
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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Apache
The main Oklahoma rules for a payday loan in Apache: 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 Apache
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 Caddo County before you borrow
- Call or text 211 for help with rent, utilities and food in Caddo County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Apache
The nearest larger city is Lawton, about 19 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 Apache?
Yes. Payday loans are legal in Apache under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Apache?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Apache?
No credit union is headquartered in Apache, but Cooperative Employees Credit Union is based in Anadarko, also in Caddo County.
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