Title Loan Data for Tulsa, OK
$2,866
Average Loan Amount
$1,885–$5,450
Loan Range
2012
Average Vehicle Year
21
Loans Funded
Based on 21 loans in Tulsa 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 Tulsa, OK
Actual loan amounts vary based on vehicle condition, mileage, and Oklahoma regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2017 | BMW | X6 | 118,000 | $5,000 |
| 2012 | Ram | 2500 | 132,300 | $5,300 |
| 2017 | Nissan | Titan | 190,000 | $1,885 |
| 2020 | Nissan | Altima | 140,000 | $2,000 |
| 2012 | Honda | Odyssey | 176,694 | $1,900 |
| 2014 | Chevrolet | Silverado 1500 | 161,000 | $4,300 |
| 2016 | Jeep | Renegade | 70,000 | $3,694 |
| 1989 | Chevrolet | Camaro | 734,029 | $2,835 |
| 2023 | Mazda | Mazda3 | 19,000 | $1,885 |
| 2011 | Honda | CR-V | 100,600 | $3,336 |
Average Title Loan by Most Common Vehicles in Tulsa, OK
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Honda | $6,088 | $2,637 | 4 |
| Chevrolet | $5,719 | $2,912 | 4 |
| Ford | $5,813 | $2,921 | 2 |
| Nissan | $10,425 | $1,942 | 2 |
| Toyota | $6,600 | $2,513 | 2 |
Based on 21 loans in Tulsa 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? Tulsa by the Numbers
What Tulsa Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Critical Home Repairs (Roof, Plumbing) |
| 3 | Dental Emergencies |
Based on 21 borrowers in Tulsa from 2024–2025.
Unemployment Rate in Tulsa, Oklahoma
6.1% of Tulsa 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 Tulsa, Oklahoma
The median household income in Tulsa is $59,838. About 18.7% 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 Tulsa, OK Residents
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.
You must have a valid Oklahoma certificate of title to complete a title loan. If yours is lost, apply for a replacement through the Oklahoma Tax Commission at oktax.state.ok.us. Visit a motor vehicle office in person if you need the replacement quickly, as in-person processing is typically faster than mail.
With a title loan, your vehicle secures the loan. The amount is based on your car’s value and your ability to repay, usually up to about 50% of market value. A lien is placed through the Oklahoma Tax Commission and the title is held while you keep driving. Your title is returned when the balance is paid in full.
To apply for a car title loan in Tulsa, you will need:
• Your car title in your name (paid off)
• A government-issued photo ID
• Proof of income
• Proof of Oklahoma residency
• Your Social Security number
Your credit score is not the deciding factor. Approval is based on your vehicle’s value and your ability to make payments.
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle’s value and your ability to repay.
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
Credit checks may sometimes be run during the application process, depending on the borrower’s qualifications, but they carry less weight than in traditional lending. Oklahoma title loans under the Consumer Credit Code are collateral-based, so vehicle equity and income are the primary approval factors, not your credit score.
