Tulsa, OK · South · Allowed
Payday loans in Tulsa
Tulsa is governed by Oklahoma's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Oklahoma. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Tulsa
403,090 residents · Osage County / Rogers County / Tulsa County / Wagoner County Median household income is $42,284 — below the Oklahoma median of $48,005.
25 storefront locations of 18 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| A-1 Moneymart Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 611 N Lynn Riggs Blvd Family Advance Loan Centers, 74017 | (918) 341-6881 | Mon 8:30 AM - 6:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 1245 S Garnett Rd, 74128 | (918) 234-6006 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 6207 S Peoria Ave, 74136 | (918) 747-2457 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 275 S Lewis Ave, 74104 | (918) 584-3177 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6230 N Peoria Ave, 74126 | (918) 425-0096 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 10664 E 31st St Ste B, 74146 | (918) 270-1609 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 845 N Sheridan Rd, 74115 | (918) 836-0025 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 1507 W 51st St, 74107 | (918) 447-3385 | Mon 8:00 AM - 8:00 PM · hours vary |
| Advance America Installment Loans | 1620 N Lewis, 74110 | (918) 585-9962 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans | 9441 E 31st St, 74145 | (918) 280-0800 | Mon 10:00 AM - 6:00 PM · hours vary |
| Ardmore Finance Installment Loans | 4419 E 31st St, 74135 | (918) 747-6000 | Hours not listed |
| Diamond Finance - Tulsa Installment Loans, Tax Services | 1202 S Peoria Ave, 74120 | (918) 556-5626 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| General Loan Service Installment Loans | 2929 S Harvard, 74114 | (918) 583-1771 | Mon–Fri 8:00 AM - 6:00 PM · Sat–Sun Closed |
| Kenwood Loans Installment Loans | 8138 E 21st St Ste B, 74129 | (918) 728-2655 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Maverick Finance Installment Loans | 6608 E Admiral Pl, 74115 | (918) 835-5772 | Mon 9:00 AM - 5:00 PM · hours vary |
| Morris Finance Installment Loans | 1519 E 11th St, 74120 | (918) 584-4435 | Mon–Fri 9:00 AM - 5:30 PM · Sat–Sun Closed |
| Pacifica Lending Installment Loans | Tulsa, 74146 | (539) 233-2360 | Hours not listed |
| Regional Finance Company of Oklahoma Check Cashing/Pay-day Loans | 6961 South Lewis Ave, 74136 | (918) 280-1003 | Hours not listed |
| Security Finance Installment Loans | 6709 E 81st St Ste E, 74133 | (918) 499-0306 | Mon 9:00 AM - 5:00 PM · hours vary |
| Sheridan Loan Installment Loans | 1505 S Sheridan, 74112 | (918) 832-7188 | Mon–Fri 8:00 AM - 6:00 PM · Sat–Sun Closed |
| Signature Loan Installment Loans | 1501 S Sheridan, 74112 | (918) 834-7500 | Mon–Fri 8:00 AM - 6:00 PM · Sat–Sun Closed |
| Standard Loans Title Loans, Installment Loans | 2606 S Sheridan Rd, 74129 | (918) 836-1400 | Hours not listed |
| TEDC Creative Capital Installment Loans | 125 W 3rd St Fl 2nd, 74103 | (918) 585-8332 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Time Finance Installment Loans | 2808 E 11th St, 74104 | (918) 582-0131 | Mon–Fri 8:00 AM - 6:00 PM · Sat–Sun Closed |
| Western-Shamrock Finance Check Cashing/Pay-day Loans | 8151 E 21st St Ste F, 74129 | (918) 270-2700 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Oklahoma page before visiting. Spot an error? Report it.
The online route in Tulsa
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Oklahoma follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Oklahoma regulator.
The rules behind the numbers
Deferred deposit loans are intended for short-term financial needs and should not be used as long-term financial solutions.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in Tulsa has to fit inside that schedule.
Statute: Okla. Stat. tit. 59, § 3101 et seq.
Regulator: Oklahoma Department of Consumer Credit · www.ok.gov
Questions people ask in Tulsa
Are payday loans legal in Tulsa, OK?
Yes. Storefront payday lending is permitted across Oklahoma, and Tulsa runs under the same state rules: maximum loan $500, fees capped at $15 per $100 for first $300, $10 per $100 above $300. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Tulsa?
The same as anywhere in Oklahoma: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Tulsa?
25 storefronts are listed in Tulsa in our 2022-02-20 directory snapshot (18 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Tulsa?
Complaints about a lender go to the Oklahoma Department of Consumer Credit (www.ok.gov) — keep the loan agreement and every fee disclosure you were given.