- Payday loans in Roff 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 Ardmore, about 34 miles away.
Roff at a glance
| Roff | |
|---|---|
| Population (2024 Census estimate) | 629 |
| Change since 2020 | -0.9% (holding steady) |
| County | Pontotoc County |
| Size rank among 411 Oklahoma places we cover | 276th |
| Nearest larger city | Ardmore (about 34 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Pontotoc County | 1 |
| Other towns within 25 miles | 12 (about 37,676 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
There is no separate Roff payday law: Oklahoma rules apply here, and any lender serving Roff residents, online or in person, needs a license from the Oklahoma Department of Consumer Credit.
Credit unions near Roff
No credit union has its main office in Roff, but these are based elsewhere in Pontotoc County (NCUA, June 2026):
- Arbuckle Federal Credit Union in Ada (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 Roff
In short, Oklahoma rules that cover Roff 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 Roff
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 Pontotoc County before you borrow
Before a payday loan, Roff residents can usually find something cheaper:
- Local assistance through 211 covering Pontotoc 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 Roff
The nearest larger city is Ardmore, about 34 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 Roff?
Yes. Payday loans are legal in Roff under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Roff?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Roff?
No credit union is headquartered in Roff, but Arbuckle Federal Credit Union is based in Ada, also in Pontotoc 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