- Payday loans in Tulsa follow Oklahoma law (Oklahoma Deferred Deposit Lending Act (59 O.S. §§ 3101–3119)).
- Borrowing $300 at the state maximum costs $45.
- 8+ credit unions are headquartered in Tulsa; ask about small-dollar loans before borrowing.
Tulsa at a glance
| Tulsa | |
|---|---|
| Population (2024 Census estimate) | 415,154 |
| Change since 2020 | +0.4% (holding steady) |
| Counties | Osage County, Rogers County, Tulsa County and Wagoner County |
| Size rank among 411 Oklahoma places we cover | 2nd |
| Share of Oklahoma’s population | 10.1% |
| Nearest larger city | Oklahoma (about 101 miles) |
| Credit unions headquartered in town (NCUA) | 8+, 8 federal |
| Credit unions headquartered in these counties | 16 |
| Other towns within 25 miles | 25 (about 362,659 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
There is no separate Tulsa payday law: Oklahoma rules apply here, and any lender serving Tulsa residents, online or in person, needs a license from the Oklahoma Department of Consumer Credit.
Credit unions in Tulsa
These credit unions have their main office in Tulsa, according to NCUA call report data (June 2026):
- Energy One Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Red Crown Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Ok Members First Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- United Members Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Employees Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Morning Star Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Dfcu Tulsa Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Saint Francis Employees Federal Credit Union (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 Tulsa
| Rule | Oklahoma |
|---|---|
| Maximum loan | $500 |
| Maximum fee | $15 per $100 on the first $300, then $10 per $100 |
| Loan term | 12 to 45 days |
| Database | Lenders must check a statewide database |
What a $300 loan costs in Tulsa
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 Osage County before you borrow
Before a payday loan, Tulsa residents can usually find something cheaper:
- Local assistance through 211 covering Osage 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 Tulsa
The nearest larger city is Oklahoma, about 101 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 Tulsa?
Yes. Payday loans are legal in Tulsa under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Tulsa?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Are there credit unions in Tulsa?
Yes. NCUA data lists 8 or more credit unions with a main office in Tulsa, including Energy One Federal Credit Union and Red Crown Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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