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Share Secured Loans

A share secured loan is backed by your savings account or share certificate account. Share Secured loans can be a great way to build your credit score, are easy to qualify for, and have competitive rates. Whether you choose a share secured or personal loan, it can be used to consolidate other loans or credit cards, pay medical bills or even take a vacation.

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What's the difference between a share secured and a personal loan?

Personal Loans

  • Competitive rates as low as 10.99% 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

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Share 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

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 11/04/22 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.

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

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