- Payday loans in Vera 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 Owasso, about 12 miles away.
Vera at a glance
| Vera | |
|---|---|
| Population (2024 Census estimate) | 336 |
| Change since 2020 | +3.4% (growing) |
| County | Washington County |
| Size rank among 411 Oklahoma places we cover | 364th |
| Nearest larger city | Owasso (about 12 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Washington County | 2 |
| Other towns within 25 miles | 19 (about 561,825 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
There is no separate Vera payday law: Oklahoma rules apply here, and any lender serving Vera residents, online or in person, needs a license from the Oklahoma Department of Consumer Credit.
Credit unions near Vera
No credit union has its main office in Vera, but these are based elsewhere in Washington County (NCUA, June 2026):
- Truity Federal Credit Union in Bartlesville (federal charter — may offer payday alternative loans (PALs))
- Ok Federal Credit Union in Bartlesville (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.
Payday loan rules that apply in Vera
In short, Oklahoma rules that cover Vera 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 Vera
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 Washington County before you borrow
Before a payday loan, Vera residents can usually find something cheaper:
- Local assistance through 211 covering Washington 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 Vera
The nearest larger city is Owasso, about 12 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 Vera?
Yes. Payday loans are legal in Vera under Oklahoma state law, and lenders must be licensed by the Oklahoma Department of Consumer Credit.
How much does a payday loan cost in Vera?
At Oklahoma’s maximum fee, borrowing $300 costs $45. The typical statewide APR was 424% in 2023.
Where is the nearest credit union to Vera?
No credit union is headquartered in Vera, but Truity Federal Credit Union is based in Bartlesville, also in Washington 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