- Payday loans in Perkins 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 11 miles away.
Perkins at a glance
| Perkins | |
|---|---|
| Population (2024 Census estimate) | 3,292 |
| Change since 2020 | +2.3% (growing) |
| County | Payne County |
| Size rank among 411 Oklahoma places we cover | 101st |
| Nearest larger city | Stillwater (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Payne County | 1 |
| Other towns within 25 miles | 17 (about 84,979 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
Whether you borrow at a storefront in Stillwater or online from Perkins, the lender must hold a Oklahoma license from the Oklahoma Department of Consumer Credit and follow state limits.
Credit unions near Perkins
No credit union has its main office in Perkins, but these are based elsewhere in Payne County (NCUA, June 2026):
- Okunity Federal Credit Union in Stillwater (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.
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Payday loan rules that apply in Perkins
Key Oklahoma limits that apply to Perkins 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 Perkins
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 Payne 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 Perkins 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 Perkins
The nearest larger city is Stillwater, about 11 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 Perkins?
Yes. Payday loans are legal in Perkins under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Perkins?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Perkins?
No credit union is headquartered in Perkins, but Okunity Federal Credit Union is based in Stillwater, also in Payne 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