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Best Personal Loans in Oklahoma City, OK

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Updated: December 28, 2023

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MoneyGeek’s Pick for Best Lender in Oklahoma City, OK: LightStream

In choosing the best personal loans in Oklahoma City, MoneyGeek considered more than 30 data points, such as BBB ratings, APR ranges, loan amounts and credit requirements. We compared and analyzed these data to know which lenders would fit well with the needs of borrowers in various categories.

After careful analysis, we selected LightStream as the best overall personal loan lender in Oklahoma City. MoneyGeek also looked into loans for those with good and bad credit, as well as for those looking for debt consolidation and home improvement loans.

Best Overall Personal Loan Lender in Oklahoma City: LightStream

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Best Personal Loan Lender for Bad Credit in Oklahoma City: Upstart

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Best Personal Loan Lender for Good Credit in Oklahoma City: SoFi

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Best Lender for Debt Consolidation in Oklahoma City: Upgrade

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Best Lender for Home Improvement in Oklahoma City: Best Egg

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What to Do if You Can’t Get a Personal Loan in Oklahoma City

Lenders deny loan applications for various reasons. The denial can be due to existing debts, not reaching eligibility requirements or insufficient monthly income, among other things.

If your application has been denied, you should contact the lender to ask for the exact reason for the denial of your application. Moreover, ask them if there is any way that you can be approved for a loan. Lenders may allow you to modify your loan by lowering the loan amount or adjusting the repayment terms.

You can also apply at another lender, but we do not recommend this until you’ve addressed the issues in your application. You can still be denied by another lender, especially if you haven’t worked on the factor that caused your previous denial.

Be careful with payday loans as well. While they offer quick funding, they also charge extremely high interest rates and can have very short terms. Taking out a payday loan can result in huge expenses and potentially more headaches in the future.

Frequently Asked Questions About Personal Loans in Oklahoma City

The best personal loan depends on your individual needs, credit standing and income. It’s perfectly normal to have questions, even after conducting research and considering various loan factors. The following are the answers to some frequently asked questions about personal loans in Oklahoma City:

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Our Personal Loan Methodology

We reviewed more than 30 personal loan lenders using 35+ individual data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each ranking criteria category, we considered several individual data points that we feel carry the most weight when choosing a personal loan lender. These factors include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

Here at MoneyGeek, we value you, the consumer, so we also factor in each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible, like prequalification, payment options and mobile apps.

After careful consideration and calculation, our picks are determined with your best interest in mind. Our personal loan recommendations and expert tips help you make the best decision when choosing a lender that meets your needs.

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.