Personal Loans in Tulsa

Whether you're consolidating debt, making improvements to your home, or covering an unexpected expense, a personal loan can help you take the next step without putting your plans on hold. Oklahoma Central Credit Union offers competitive rates, flexible terms, and a local lending team committed to helping Oklahomans reach their financial goals.

Competitive rates and flexible repayment options
Borrow for debt consolidation, home improvements, and more
Local, member-owned lending team committed to your goals

Common Ways to Use a Personal Loan

Personal loans can be used for a variety of planned and unexpected expenses. Here are some of the most common reasons members choose an OCCU personal loan.

Debt Consolidation

Home Repairs

Medical Expenses

Vacations

Storm Shelters

Education Costs

Weddings

Emergencies

Personal Loan Rates

Loan Type

APR (as low as)

Terms (up to)

Loan Amount

Unsecured Personal Loan

10.99*

60 months

Up to $35,000

Share Secured Loan

Variable APR¹

60 months

From $500

APR (as low as)

Unsecured Personal Loan

10.99*

Share Secured Loan

Variable APR¹

Terms (up to)

Unsecured Personal Loan

60 months

Share Secured Loan

60 months

Loan Amount

Unsecured Personal Loan

Up to $35,000

Share Secured Loan

From $500

Why Get a Personal Loan from OCCU?

As an Oklahoma-based, not-for-profit credit union, OCCU returns earnings to members instead of shareholders — which typically means lower rates and fewer fees than a bank or online lender.

Not-for-profit, member-owned

Local underwriting & decision-making

In-branch support across the greater Tulsa area

Free financial counseling to help you borrow wisely

Ready to Take the Next Step?

Whether you're consolidating debt or covering what's next, Oklahoma Central is here to help you get there.

Find a Branch Near You

Explore More Options

Compare other ways to borrow, plan your payments, or get breathing room when you need it.

Secured Loans

Backed by your savings or certificate account. Best for members building credit or looking for a lower rate.

Learn More About Secured Loans

Home Equity Loans

Need to borrow more? Put the equity in your home to work on larger projects and expenses.

Explore Home Equity Loans

Skip-a-Pay

Need breathing room? Eligible loans can skip a payment when life gets tight.

See How Skip-a-Pay Works

Debt Protection

Optional debt protection that can help cover your loan payments if life takes an unexpected turn.

Learn About Debt Protection

Makalyn and Victoria made moving all my accounts to a new financial institution so easy! Both of them were extremely nice and answered all my questions. Highly recommend Jenks Landing.

Journey J, Member

Jenks Landing is so nice and conveniently located! The staff is very friendly and professional. Definitely making this location our new go-to.

Hannah E, Member

Xzavier helped me today and he was very respectful and chatted with me. When a rush came in, he finished helping me quickly so he could give the others the time and respect they deserved too.

Billy H, Member

I love coming up to the Tulsa Hills branch to see Patti B. She is always super friendly and every time I need help she’s there for me!

Sara B, Member

Every visit has met all of my family’s needs. Patti and the staff provide excellent customer service and are always willing to help find a solution.

Lina J, Member

Mandi is a great asset to OCCU. She helped me get my accounts synced and was very patient.

Dee H, Member

OCCU Brookside's Member Relationship Specialist was great to work with on my vehicle purchase! He was knowledgeable and helpful throughout the entire process.

Trevor H, Member

Tony was fabulous in helping me open a POP checking for my daughter. She’s so excited to have her first checking account and debit card.

Jennifer M, Member

Patti B. told us about Momentum Checking and switched us to it. She is such a joy to work with. Such a great credit union to be associated with. Thank you OCCU!!

Linda N, Member

Great place to bank, with super friendly people who are always eager to help!

Marshal H, Member

Frequently Asked Questions

What is a personal loan?

A personal loan gives you a lump sum of money upfront, which you repay in fixed monthly installments over a set term. At Oklahoma Central, you can choose a secured personal loan (backed by your own savings or certificate) or an unsecured personal loan (based on your credit profile, with no collateral required).

What can I use a personal loan for?

A personal loan can be used for nearly any purpose, including debt consolidation, home repairs, unexpected expenses, or planned expenses like a wedding or vacation. You receive the full amount upfront and can use it as needed.

How do I apply for a personal loan?

You can apply online in just a few minutes, or visit any Oklahoma Central branch to apply in person with a member representative.

What credit score do I need for a personal loan?

We look at your full financial picture rather than a single credit score cutoff. If you're unsure whether you'd qualify, a loan officer can give you a clear answer before you formally apply.

Is there a penalty for paying off a personal loan early?

No. Both our secured and unsecured personal loans come with no prepayment penalty, so you can pay off your loan early without any extra fees.

How long does it take to get approved for a personal loan?

Approval times vary depending on your application, but many members receive a decision quickly. Apply online or contact us for a more specific timeframe.

*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 10/01/26 and 42-month financing. A $10,000 loan, at 10.99% APR with 42 monthly payments will be $288 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

¹Share Secured Loans include Savings Secured Loans and CD Secured Loans. Savings Secured Loan rates are based on share rates and CD Secured Loan rates are based on certificate rates. To get the current rate, please contact a member service rep at 918-664-6000 option 2.

Personal Loans in Tulsa