- Payday loans in Morris 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 Bixby, about 24 miles away.
Morris at a glance
| Morris | |
|---|---|
| Population (2024 Census estimate) | 1,334 |
| Change since 2020 | +2.4% (growing) |
| County | Okmulgee County |
| Size rank among 411 Oklahoma places we cover | 176th |
| Nearest larger city | Bixby (about 24 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Okmulgee County | 1 |
| Other towns within 25 miles | 13 (about 58,893 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
Payday lending in Morris follows Oklahoma state law. Lenders that serve Morris, in a store or online, must be licensed by the Oklahoma Department of Consumer Credit.
Credit unions near Morris
No credit union has its main office in Morris, but these are based elsewhere in Okmulgee County (NCUA, June 2026):
- First Family Federal Credit Union in Henryetta (federal charter — may offer payday alternative loans (PALs))
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 Morris
The main Oklahoma rules for a payday loan in Morris: 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 Morris
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 Okmulgee County before you borrow
- Call or text 211 for help with rent, utilities and food in Okmulgee 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 Morris
The nearest larger city is Bixby, about 24 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 Morris?
Yes. Payday loans are legal in Morris under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Morris?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Morris?
No credit union is headquartered in Morris, but First Family Federal Credit Union is based in Henryetta, also in Okmulgee 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