Top Lenders & Best Picks for You

Best Personal Loans in Tulsa, OK

Updated: December 28, 2023

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MoneyGeek’s Pick for Best Personal Loan Lender in Tulsa: LightStream

MoneyGeek analyzed more than 30 data points to evaluate the pros and cons of personal loan offerings from multiple lenders. Our findings can help you determine the best personal loans in Tulsa, Oklahoma for you.

We evaluated factors like loan amounts, credit score requirements, fees, discounts and more. Since the best company for you can vary based on how you plan to use the loan and your borrower profile, make sure you select the company that best fits your needs.

Best Overall Personal Loan Lender in Tulsa: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds

    LightStream was established in 2013 as the online consumer lending division of Truist. It has since been a leading provider of personal loans that can be used to cover practically every consumer need. MoneyGeek identified LightStream as the best overall lender in Tulsa.

    With LightStream, you can use your loan to buy a car, pay for home improvements, vacations, medical and dental needs and even adoptions. Borrowers with good credit standing could access loans as low as $5,000 to as high as $100,000.

    LightStream’s loan offerings are available in all states, including Oklahoma.


    • A+ BBB rating
    • Autopay discount of 0.5%
    • No origination or late fees
    • Doesn’t charge prepayment penalties
    • Offers joint loans


    • Conducts hard credit checks
    • Doesn’t accept applicants with new or no credit history
    • Doesn’t allow co-signers
    • APR range: 4.49%–20.49%
    • Minimum/maximum loan amount: $5,000–$100,000
    • Minimum credit requirements: 660
    • Repayment terms: 24–84 months
    • Time to receive funds: Same day

Best Personal Loan Lender for Bad Credit in Tulsa: 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

    Generally, having a low credit score can make it difficult for you to get a loan. Lenders tend to view someone with a bad credit score as highly unlikely to be able to pay back a loan.

    Luckily, there are companies like Upstart that provide an option for people with less than desirable credit histories to get a loan. In fact, MoneyGeek found that Upstart is the best lender in Tulsa for people with bad credit.

    The company was founded in 2012 by former Google employees and is one of the leading online lending platforms in the country. Although their credit limit is relatively low at $50,000, there are no restrictions on fund usage. Interest rates could be as low as 3.22% for well-qualified borrowers.


    • A+ BBB rating
    • Low credit score requirement of 300
    • Conducts soft credit inquiry
    • No prepayment penalty
    • Low annual income requirement of $12,000


    • Doesn’t allow co-signers
    • Does not accept applicants with new or no credit
    • Has a late fee of $15
    • APR range: 3.22%–35.99%
    • Minimum/maximum loan amount: $1,000–$50,000
    • Minimum credit requirements: 300
    • Repayment terms: 36–60 months
    • Time to receive funds: Next day

Best Personal Loan Lender for Good Credit in Tulsa: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    There are many loan options available for people with good credit. Based on MoneyGeek’s research, SoFi is the best option for borrowers with good to excellent credit. It has more stringent requirements, such as a yearly salary of at least $50,000, a debt-to-income maximum of 43% and a minimum credit score of 680.

    That said, the maximum credit limit of $100,000, 0.25% auto repayment discount and lack of origination fees make it an attractive option for borrowers looking to purchase a big-ticket item and still save money at the same time.

    The downside is that you might need to wait up to a week to receive the loan funds, so it might not be a good option if you need the funds immediately. That said, SoFi funds most loans within two business days.

    SoFi was established in 2011 and serves 49 states, including Oklahoma.


    • A+ BBB rating
    • Auto payment discount of 0.25%
    • No origination fees, prepayment fees and late fees
    • Conducts soft credit inquiry
    • Mobile app


    • Minimum annual gross income of $50,000
    • Approval can take a few days
    • Doesn’t allow co-signers
    • APR range: 5.74%–20.28%
    • Minimum/maximum loan amount: $5,000–$100,000
    • Minimum credit requirements: 680
    • Repayment terms: 12–60 months
    • Time to receive funds: Two days

Best Personal Loan Lender for Debt Consolidation in Tulsa: 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

    If you live in Tulsa and want to consolidate your debt, Upgrade is MoneyGeek’s top choice. It is an online lender that has been providing personal loans since 2016 to people with moderate credit scores of at least 560. The lender directly pays creditors in case of debt consolidation, which is a rare advantage.

    However, Upgrade imposes restrictions on the use of funds. For instance, you cannot use your loan to finance your post-secondary education, investments or gambling activities. Origination fees of up to 8% also eat up a significant portion of each loan disbursement.


    • A+ BBB rating
    • 1% auto payment discount
    • No income requirements
    • No prepayment penalty
    • Conducts soft credit inquiries


    • Doesn’t allow co-signers
    • 2.9%–8% origination fees
    • Restrictions on the use of loan funds
    • APR range: 5.94%–35.47%
    • Minimum/maximum loan amount: $1,000–$50,000
    • Minimum credit requirements: 560
    • Repayment terms: 36–60 months
    • Time to receive funds: Same day

Best Personal Loan Lender for Home Improvement in Tulsa: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Some borrowers get a loan to finance improvements or repairs in their homes. Based on MoneyGeek’s analysis, Best Egg is the best lender in Tulsa for this purpose.

    Borrowers will appreciate the quick processing and funding turnaround times, especially if funds are needed right away. The lender also offers a 0.5% autopay discount, which could add up to a substantial amount over the course of your loan. You also don’t have to worry about prepayment penalties.

    Unfortunately, the company has a high credit score requirement of 700. It also doesn’t offer competitive rate matching or joint loans.

    Established in 2014, Best Egg has funded over $14 billion in loans. Its personal loan offerings are available to borrowers in 47 states, including Oklahoma.


    • A+ BBB rating
    • 0.5% auto payment discount
    • Conducts a soft credit inquiry
    • No prepayment penalty
    • Mobile app


    • High credit score requirement of 700
    • Doesn’t allow co-signers
    • No joint loans
    • APR range: 4.99%–35.99%
    • Minimum/maximum loan amount: $2,000–$50,000
    • Minimum credit requirements: 700
    • Repayment terms: 36–60 months
    • Time to receive funds: Next day
    Best Egg

How to Choose the Best Personal Loan Lender In Tulsa for You

If you find yourself in need of a personal loan, you are not alone. In fact, the average personal loan debt in Oklahoma is $15,293. These loans come with an interest rate of about 9.73%. There are many factors to consider before applying for a personal loan, such as your credit score, income and any current debts. Below are a few steps that you might want to follow to find the best personal loans in Tulsa.

Ask Yourself the Important Questions

The popularity of personal loans has grown rapidly due to their accessibility and the financial flexibility that it offers borrowers. However, just because it is a popular form of consumer debt doesn’t mean that it is a perfect fit for your needs. MoneyGeek recommends answering a few simple questions to determine if a personal loan is the best option for you:

  • How much funding do you need?
  • What is your credit score?
  • Can you afford the monthly payment?
  • How much debt do you already have?
Do Your Research

MoneyGeek crafted this guide to help you jumpstart your search for the best personal loans in Tulsa. Keep in mind that our recommendations are generalizations and may not be a perfect fit for your particular situation or needs. You still need to do your own due diligence before applying for a personal loan. Shop around, compare loan offerings from multiple lenders and review your options so you can make the right choice.


Now that you’ve narrowed your choices, give yourself time to relax and assess your decision more objectively. Try to resist the urge to apply right away. You might be surprised at how your emotions and decisions could change within a day or two. You just might find yourself not really needing that big purchase, or you may find another way to fund it.

Read the Fine Print

Don’t forget to evaluate the small details of your loan application and terms. Check the fine print if there are any origination fees, late fees or early payoff fees. Now is the time to ask questions and get clarification from the lending company’s representative. This could save you from paying unexpected charges in the future.


Once you’ve completed all the previous steps, you are ready to submit your personal loan application. Most lenders will ask for your identification, proof of income and address verification. Additionally, many companies have a convenient online loan application process. However, you may also opt to call or visit their office if that option is available so that you can complete an application in person and get any additional questions you may have answered.

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

It is easy to feel disheartened if your loan application gets denied, but don’t let this setback bring you down. Many borrowers get denied for various reasons, such as having a bad credit history, an insufficient income, a high debt-to-income ratio or an incomplete application.

The best thing to do in this situation is to take a moment and ask the lender why your application was denied. Once you learn the reasons behind their decision, you could be in a better position to make modifications to your application. You can reapply, and you will have better odds of being accepted if you make a few necessary changes to your application, like asking for a lower loan amount or extending your payment terms.

However, we caution you against getting quick cash through payday loans. These loans can impose severely high interest rates and require you to pay back your loan quickly.

Frequently Asked Questions About Personal Loans in Tulsa

There are many personal loan options to choose from in Tulsa, but the best one for you will depend on your personal needs and financial profile. Below are answers to some of the most common questions about personal loans in Tulsa.

What is the best personal loan lender in Tulsa?
Which lender in Tulsa has the lowest interest rate?
Can I use a personal loan for vacations in Tulsa?
Can I use a personal loan for home improvement in Tulsa?
What can I not use my personal loan for in Tulsa?
How much can I borrow in Tulsa?
How long does it take to get a personal loan in Tulsa?
Can I pay off my loan early in Tulsa?

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 are meant to help you make the best decision when choosing a lender that meets your needs.

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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.