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Best Bad-Credit Loan Lenders in Oklahoma

MoneyGeek used a comprehensive ranking system to find the best bad-credit loans in Oklahoma. Our review included more than 30 data points to assess the best lenders. Some are loan limits, credit score requirements, APRs, disbursement times and customer satisfaction.

We found Upstart is the best option for a bad-credit loan in Oklahoma. It accepts borrowers with credit scores as low as 300 and offers competitive rates.

Best Overall Bad-Credit Loan in Oklahoma: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in Oklahoma: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in Oklahoma for You

It's important to consider your needs when choosing a bad-credit lender in Oklahoma. If you need help figuring out where to start, these steps can guide you in finding the best bad-credit loans for your needs.


Ask Yourself the Important Questions

See if you can handle the loan's financial impacts by answering these questions:

  • How much funding do you need? Be sure to only borrow what you must have.
  • What is your credit score? Your credit score impacts the rates and terms of your loan.
  • Can you afford the monthly payments? Consider how much you need to pay back monthly, including interest. Can your income accommodate it? How do the payments compare if you're using your loan for debt consolidation?
  • How much debt do you already have? Think about how much debt you have and assess whether you should take on another debt.
  • Is your debt manageable through other means? Weigh all financing options to determine if a personal loan is the best decision.

Do Your Research

Personal loan lenders offer different terms, limits and rates. It pays to compare rates and terms from different lenders to identify the best loans.

Consider factors like each lender’s minimum requirements, loan limits and repayment terms.

MoneyGeek’s top picks are here to help you find the best lenders. However, our recommendations are based on broad generalizations. Your financial situation may be different.


Read the Fine Print

Your loan's fine print has many important details, including all rates and terms. Read through it thoroughly, and ask questions if you need to.

Check for origination, late or early payment fees, which impact the overall cost of your loan.



Take a day or two to weigh before submitting your loan application. This helps ensure you don't make a hasty decision impacting your finances for years. Personal loans are long-term commitments, so it's wise to ensure you're ready.



If you're confident with your choice of lender, submit a loan application. Turn in all required information and supporting documentation to avoid delays in processing.

In most cases, loan applications can be completed online in minutes.

What to Do if You Can’t Get a Bad-Credit Loan in Oklahoma

Lenders sometimes turn down applications. If your application was unsuccessful, don't get discouraged. Anything from an unsigned form to a lack of income could be the reason.

Find out exactly why the lender declined your application. If you can submit a missing form or even things out by tweaking the terms or amount, you may be able to negotiate.

If that doesn't work, you could look for other lenders, but avoid reapplying immediately after being declined. Several hard credit checks in a short period can ding your credit score.

MoneyGeek doesn't recommend taking out a payday loan if a standard lender says no. These have high rates and short repayment terms, so borrowers often end up in worse shape than before.

Calculate Your Monthly Payment

Planning for your monthly payments can help you figure out if you can cover them in the long term. You can use MoneyGeek’s personal loan calculator to estimate your monthly payments.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Bad-Credit Loans in Oklahoma

The best bad-credit loan lender in Oklahoma for you depends on your needs, credit and income. MoneyGeek answers commonly asked questions about finding the top lender for you below.


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MoneyGeek found the best bad-credit loans in Oklahoma by reviewing over 30 lenders on 35+ data points. We assessed lenders in six categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

We factored in details a consumer looking for a personal loan lender may consider. These include APRs, loan limits, credit and income requirements, fees and funding time.

Our analysis also looked at each lender’s customer support and business ratings.

Finally, we looked at tools and features that improve customer experience. These include prequalification options and mobile apps.

We, at MoneyGeek, make our recommendations after careful consideration. We aim to ensure our tips can help you make smart financial decisions for your situation.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.