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Personal Loans

A personal loan can be the answer when you need cash for a specific purchase or emergency. Whether you choose a secured or unsecured loan, it can be used to consolidate other loans or credit cards, pay medical bills or even take a vacation. Members will receive the entire loan upfront in cash to use as needed. So, the next time you need cash fast, let Oklahoma Central help you meet those financial needs.

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For the Unexpected and the Amazing

What's the difference between a secured and unsecured loan?

Secured Loans

  • Competitive rates
  • Secured by money you have in a certificate or share/savings account at Oklahoma Central
  • Excellent way to establish or reestablish credit
  • Minimum loan amount: $500
  • Minimum payment amount: $50
  • Loan terms up to 60 months
  • Debt Protection available

Unsecured Loans

  • Competitive rates as low as 9.99% APR*
  • Not secured by collateral, but instead member's signature
  • Loan amounts up to $25,000
  • Loan terms up to 60 months
  • No prepayment penalty
  • Debt Protection available

Apply Now

Don't want to apply online?

Stop by any branch location or call 918-664-6000, select option 2, to speak with a Member Representative.

*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/21 and 42-month financing. A $10,000 loan, at 9.99% APR with 42 monthly payments will be $284 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.

Overdraft Protection Line of Credit

An Overdraft Protection Line of Credit is a loan used to avoid bounced checks and declined debit card purchases by automatically transferring funds from the line of credit into the members’ checking account.

  • Loan limits from $1,000 - $5,000
  • Competitive rates
  • Low monthly payments, no prepayment penalty
  • Debt Protection available
  • $24 Annual fee

Apply Now

Don't want to apply online?

Stop by any branch location or call 918-664-6000, select option 2, to speak with a Member Representative.

Related Educational Opportunity

Are you looking to better understand payment options for your lifestyle? Or pay off existing loans and debt? This program will help you to understand different payment and payoff options.

Learn more

 Everfi-Payday-Loans
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