Title Loan Data for Oklahoma City, OK
$4,329
Average Loan Amount
$833–$14,264
Loan Range
2015
Average Vehicle Year
30
Loans Funded
Based on 30 loans in Oklahoma City from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Oklahoma regulations.
Actual Title Loans Funded in Oklahoma City, OK
Actual loan amounts vary based on vehicle condition, mileage, and Oklahoma regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2008 | Lexus | IS F | 138,000 | $7,000 |
| 2015 | Ford | Explorer | 160,000 | $1,929 |
| 2017 | Chevrolet | Impala | 140,000 | $2,543 |
| 2010 | Dodge | Challenger | 57,000 | $1,884 |
| 2008 | Honda | Odyssey | 106,457 | $2,066 |
| 2016 | Dodge | Charger | 108,763 | $5,000 |
| 2012 | Ford | F150 SuperCrew Cab | 135,000 | $833 |
| 2019 | Subaru | Outback | 56,000 | $11,355 |
| 2019 | Jeep | Cherokee | 43,709 | $5,593 |
| 2006 | Dodge | Ram 2500 | 233,000 | $2,900 |
Average Title Loan by Most Common Vehicles in Oklahoma City, OK
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $10,814 | $1,418 | 5 |
| Chevrolet | $7,815 | $3,049 | 5 |
| Dodge | $11,319 | $5,217 | 4 |
| Honda | $12,956 | $6,507 | 4 |
| Jeep | $12,142 | $4,676 | 3 |
Based on 30 loans in Oklahoma City from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Oklahoma regulations.
Did You Know? Oklahoma City by the Numbers
What Oklahoma City Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Critical Home Repairs (Roof, Plumbing) |
| 3 | Dental Emergencies |
Based on 30 borrowers in Oklahoma City from 2024–2025.
Unemployment Rate in Oklahoma City, Oklahoma
4.7% of Oklahoma City residents are currently unemployed, compared to the Oklahoma state average of 5.2%.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Median Household Income in Oklahoma City, Oklahoma
The median household income in Oklahoma City is $68,656. About 15.1% of residents live below the federal poverty line.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Title Loan Regulations in Oklahoma
- Interest rate cap: Tiered: 32% + Federal Funds Rate per year on first $7,000; 23% + FFR on $7,001-$11,000; 20% + FFR above $11,000. Alternative: 25% flat + FFR on entire balance.
- Loan range: $1,000 to $5,000 (typical; no legal minimum or maximum)
- Repayment term: Varies by loan structure and agreement
- Regulated by: Oklahoma Department of Consumer Credit (ODCC)
What a Title Loan Costs in Oklahoma
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 35.64% | $198 | $1,198 |
| $2,500 | 12 months | 35.64% | $495 | $2,995 |
| $5,000 | 12 months | 35.64% | $989 | $5,989 |
Examples use the maximum 32% statutory cap plus 3.64% Federal Funds Rate (March 2026) on loans up to $7,000. Your actual rate depends on the Federal Funds Rate at time of loan. Verify before borrowing.
📖 Governing law: Oklahoma Consumer Credit Code (Title 14A, Oklahoma Statutes)
See all Oklahoma title loan rules and consumer protections on our Oklahoma title loans page.
Title Loan Questions for Oklahoma City, OK Residents
The maximum title loan amount depends on your car’s current market value and your ability to repay. Most borrowers qualify for up to about 50% of their vehicle’s value. Apply online for a free estimate.
No, you do not need good credit to qualify. Title loans in Oklahoma City are accessible to borrowers who do not qualify for traditional financing. Approval is based on your car’s value and income rather than your credit score. A low score alone will not disqualify you.
Yes, you can pay off your title loan early. There is no prepayment penalty, and any unearned finance charges must be refunded to you. Paying off the balance before the end of the term reduces the total fees and interest you pay over the life of the loan.
Yes. Title loans often come with high costs. In Oklahoma, on a $1,000 loan the rate is capped at about 35% to 36% APR, roughly $29 to $30 per month. A one-time closing fee of up to $190.41 may also apply at signing. Use these only for short-term emergencies you can repay on time.
No credit check is required for pre-approval or a free estimate. Approval is based primarily on your vehicle’s value and your ability to repay.
Income must be verified, but proof does not have to be a traditional pay stub. Benefits letters, bank deposit records, self-employment documentation, or retirement statements are commonly accepted alternatives.
Oklahoma caps title loan rates under the Consumer Credit Code (Title 14A), with charges tied to the Federal Funds Rate. On loans up to $1,000, the maximum is 32% + Federal Funds Rate per year.
| Loan Amount | Term | APR* | Monthly Payment | Total Interest | Total Repaid |
| $1,000 | 12 months | 35.64% | 9.82 | 97.84 | $,197.84 |
| $,500 | 12 months | 35.64% | 49.55 | 94.60 | $,994.60 |
| $1,000 | 12 months | 35.64% | 99.10 | 89.20 | $,989.20 |
Actual rates and terms may vary based on the loan amount and the borrower’s specific situation.
The worst case is losing your vehicle and potentially still owing money. Oklahoma law permits repossession without a court order if done without breaching the peace. Certain steps must be followed, including written notice before any sale. If the sale brings in more than you owe, the remaining balance is returned to you. If it falls short, you may be responsible for the difference. Contact the company before missing a payment.
