- Payday loans in Cement 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 27 miles away.
Cement at a glance
| Cement | |
|---|---|
| Population (2024 Census estimate) | 422 |
| Change since 2020 | -3.2% (shrinking) |
| County | Caddo County |
| Size rank among 411 Oklahoma places we cover | 329th |
| Nearest larger city | Lawton (about 27 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Caddo County | 1 |
| Other towns within 25 miles | 17 (about 40,203 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
Whether you borrow at a storefront in Lawton or online from Cement, the lender must hold a Oklahoma license from the Oklahoma Department of Consumer Credit and follow state limits.
Credit unions near Cement
No credit union has its main office in Cement, 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 Cement
Key Oklahoma limits that apply to Cement 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 Cement
At Oklahoma’s maximum fee, borrowing $300 costs $45. Statewide, the typical APR on a $400 payday loan was 424% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Caddo 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 Cement 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 Cement
The nearest larger city is Lawton, about 27 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 Cement?
Yes. Payday loans are legal in Cement under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Cement?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Cement?
No credit union is headquartered in Cement, 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