- Payday loans in Newkirk 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 Stillwater, about 52 miles away.
Newkirk at a glance
| Newkirk | |
|---|---|
| Population (2024 Census estimate) | 2,243 |
| Change since 2020 | -0.1% (holding steady) |
| County | Kay County |
| Size rank among 411 Oklahoma places we cover | 136th |
| Nearest larger city | Stillwater (about 52 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Kay County | 1 |
| Other towns within 25 miles | 5 (about 33,896 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
There is no separate Newkirk payday law: Oklahoma rules apply here, and any lender serving Newkirk residents, online or in person, needs a license from the Oklahoma Department of Consumer Credit.
Credit unions near Newkirk
No credit union has its main office in Newkirk, but these are based elsewhere in Kay County (NCUA, June 2026):
- Cherokee Strip Credit Union in Ponca City (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.
Payday loan rules that apply in Newkirk
In short, Oklahoma rules that cover Newkirk include: 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 Newkirk
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 Kay County before you borrow
Before a payday loan, Newkirk residents can usually find something cheaper:
- Local assistance through 211 covering Kay County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Newkirk
The nearest larger city is Stillwater, about 52 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 Newkirk?
Yes. Payday loans are legal in Newkirk under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Newkirk?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Newkirk?
No credit union is headquartered in Newkirk, but Cherokee Strip Credit Union is based in Ponca City, also in Kay 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