Best Personal Loan Rates in Oklahoma City, Oklahoma (OK) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Oklahoma borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Oklahoma City, Oklahoma include: Tinker Federal Credit UnionTinker Federal Credit Union4626 NW 39th St, Oklahoma City, OK, 73122A+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loan at 3.99% APR, Department of Public Safety Federal Credit UnionDepartment of Public Safety Federal Credit Union3650 N Martin Luther King Ave, Oklahoma City, OK, 73111 4223A+5.0 ★Texas Ratio: 0.69% offering Generator Loan at 3.99% APR, Communication Federal Credit UnionCommunication Federal Credit Union427 NW 6th St, Oklahoma City, OK, 73102 2804A5.0 ★Texas Ratio: 7.85% offering Storm Shelter Loan at 5.99% APR, USE Federal Credit UnionUSE Federal Credit Union4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119A+5.0 ★Texas Ratio: 0.89% offering Storm Shelter Loan at 8.99% APR, and Municipal Employees Credit Union of Oklahoma CityMunicipal Employees Credit Union of Oklahoma City101 N WALKER AVE, OKLAHOMA CITY, OK, 73102 2229A+5.0 ★Texas Ratio: 0.67% offering Personal Loans at 9.25% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Oklahoma City has 17 local institutions in our database, with personal loan rates as low as 3.99% APR from Tinker Federal Credit Union at 4626 NW 39th St, Oklahoma City, OK, 73122. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Oklahoma City, Oklahoma.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oklahoma City, Oklahoma. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 8, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4626 NW 39th St, Oklahoma City, OK, 73122
Storm Shelter Loan
3.99%
▼
APR3.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3650 N Martin Luther King Ave, Oklahoma City, OK, 73111 4223
Generator Loan
3.99%
▼
APR3.99%
Last UpdatedApril 10, 2026
Details
As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
427 NW 6th St, Oklahoma City, OK, 73102 2804
Storm Shelter Loan
5.99%
▼
APR5.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3650 N Martin Luther King Ave, Oklahoma City, OK, 73111 4223
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3650 N Martin Luther King Ave, Oklahoma City, OK, 73111 4223
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
As Low As
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
101 N WALKER AVE, OKLAHOMA CITY, OK, 73102 2229
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As; with specific terms.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
420 NE 10th St, Oklahoma City, OK, 73104
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
420 NE 10th St, Oklahoma City, OK, 73104
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1111 N Lee Ave Ste 125, Oklahoma City, OK, 73103
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
815 NW 58th St, Oklahoma City, OK, 73118 5912
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
As Low As; Rates as low as 9.90%
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
200 NE 21st St, Oklahoma City, OK, 73105
Lifestyle Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
4235 N Meridian Ave, Oklahoma City, OK, 73112 2456
Credit Builder Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
No credit check
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
4200 W Memorial Rd, Oklahoma City, OK, 73120
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
200 NE 21st St, Oklahoma City, OK, 73105
Lifestyle Loan
10.50%
▼
APR10.50%
Last UpdatedApril 10, 2026
Details
No additional details available.
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
200 NE 21st St, Oklahoma City, OK, 73105
Lifestyle Loan
10.75%
▼
APR10.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4626 NW 39th St, Oklahoma City, OK, 73122
Personal Unsecured Loan
10.95%
▼
APR10.95%
Last UpdatedApril 10, 2026
Details
No additional details available.
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2300 NW 23rd St, Oklahoma CIty, OK, 73107
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
As Low As; Contact Us
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
200 NE 21st St, Oklahoma City, OK, 73105
Lifestyle Loan
11.00%
▼
APR11.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 10, 2026
Details
As Low As
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
1045 NW 49th St, Oklahoma City, OK, 73118
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 10, 2026
Details
As Low As
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
10201 S Western Ave, Oklahoma City, OK, 73139 2931
Firm Foundations Loan
12.99%
▼
APR12.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
10201 S Western Ave, Oklahoma City, OK, 73139 2931
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Signature
13.00%
▼
APR13.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
427 NW 6th St, Oklahoma City, OK, 73102 2804
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
10201 S Western Ave, Oklahoma City, OK, 73139 2931
Personal Signature Loan
13.24%
▼
APR13.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4001 NW Expressway, OKLAHOMA CITY, OK, 73116 1686
Unsecured Loans
13.99%
▼
APR13.99%
Last UpdatedApril 10, 2026
Details
As Low As; Rate determined by credit score
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
427 NW 6th St, Oklahoma City, OK, 73102 2804
Flex Loan
15.65%
▼
APR15.65%
Last UpdatedApril 10, 2026
Details
No additional details available.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
420 NE 10th St, Oklahoma City, OK, 73104
Credit Builder Loan
16.49%
▼
APR16.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4626 NW 39th St, Oklahoma City, OK, 73122
Personal Unsecured Loan
17.99%
▼
APR17.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1111 N Lee Ave Ste 125, Oklahoma City, OK, 73103
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 10, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
4200 W Memorial Rd, Oklahoma City, OK, 73120
Emergency Help Loan
28.00%
▼
APR28.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
4.00%
▼
APR4.00%
Last UpdatedApril 10, 2026
Details
SHARE SECURED
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Storm Shelter Loans
4.24%
▼
APR4.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 10, 2026
Details
As Low As
APR5.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
5.00%
▼
APR5.00%
Last UpdatedApril 10, 2026
Details
SHARED SECURED
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Personal "Whatever" Loan
6.99%
▼
APR6.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR7.25%
Last UpdatedApril 10, 2026
Details
As Low As
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
Promotional Loans
8.24%
▼
APR8.24%
Last UpdatedApril 10, 2026
Details
Fixed
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR9.24%
Last UpdatedApril 10, 2026
Details
Fixed
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As; Based on FICO Score
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.19%
▼
APR10.19%
Last UpdatedApril 10, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedApril 10, 2026
Details
As Low As
APR10.45%
Last UpdatedApril 10, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Personal Custom Loan
10.45%
▼
APR10.45%
Last UpdatedApril 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.69%
▼
APR10.69%
Last UpdatedApril 10, 2026
Details
No additional details available.
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedApril 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedApril 10, 2026
Details
As Low As; Up to 36 months (as low as)
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Computer Loan
10.90%
▼
APR10.90%
Last UpdatedApril 10, 2026
Details
No additional details available.
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
Signature Loans
10.90%
▼
APR10.90%
Last UpdatedApril 10, 2026
Details
No additional details available.
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Unsecured Loan
10.95%
▼
APR10.95%
Last UpdatedApril 10, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
11.19%
▼
APR11.19%
Last UpdatedApril 10, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
As Low As; $10,000 Maximum
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Stress Line Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
As Low As
APR11.40%
Last UpdatedApril 10, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedApril 10, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 10, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 10, 2026
Details
As Low As
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Signature (unsecured)
11.50%
▼
APR11.50%
Last UpdatedApril 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 10, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
CREDIT BUILDER LOAN
12.25%
▼
APR12.25%
Last UpdatedApril 10, 2026
Details
CREDIT BUILDER
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedApril 10, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 10, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 10, 2026
Details
No additional details available.
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 10, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan
12.65%
▼
APR12.65%
Last UpdatedApril 10, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 10, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured
13.30%
▼
APR13.30%
Last UpdatedApril 10, 2026
Details
As Low As
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Consolidate Active Revolving Expenses Loan (C.A.R.E)
13.50%
▼
APR13.50%
Last UpdatedApril 10, 2026
Details
up to $5,000
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Consolidate Active Revolving Expenses Loan (C.A.R.E) to $10,000
13.50%
▼
APR13.50%
Last UpdatedApril 10, 2026
Details
$5,001
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 10, 2026
Details
Under $5,000
APR16.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Payday - Quik Cash Loans
18.00%
▼
APR18.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Payday Alternative Loan (PAL)
18.00%
▼
APR18.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
Payday Alternative Loan
18.24%
▼
APR18.24%
Last UpdatedApril 10, 2026
Details
($200 - 1,000)
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Enstant Loans
28.00%
▼
APR28.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3650 N Martin Luther King Ave, Oklahoma City, OK, 73111 4223
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3650 N Martin Luther King Ave, Oklahoma City, OK, 73111 4223
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
As Low As
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
101 N WALKER AVE, OKLAHOMA CITY, OK, 73102 2229
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As; with specific terms.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
420 NE 10th St, Oklahoma City, OK, 73104
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
420 NE 10th St, Oklahoma City, OK, 73104
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1111 N Lee Ave Ste 125, Oklahoma City, OK, 73103
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
1045 NW 49th St, Oklahoma City, OK, 73118
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 10, 2026
Details
As Low As
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
10201 S Western Ave, Oklahoma City, OK, 73139 2931
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1111 N Lee Ave Ste 125, Oklahoma City, OK, 73103
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 10, 2026
Details
As Low As
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
No additional details available.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 10, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 10, 2026
Details
No additional details available.
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan
12.65%
▼
APR12.65%
Last UpdatedApril 10, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 10, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedApril 10, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
815 NW 58th St, Oklahoma City, OK, 73118 5912
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
As Low As; Rates as low as 9.90%
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2300 NW 23rd St, Oklahoma CIty, OK, 73107
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
As Low As; Contact Us
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 10, 2026
Details
As Low As
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Signature
13.00%
▼
APR13.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
427 NW 6th St, Oklahoma City, OK, 73102 2804
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
10201 S Western Ave, Oklahoma City, OK, 73139 2931
Personal Signature Loan
13.24%
▼
APR13.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
As Low As
APR9.24%
Last UpdatedApril 10, 2026
Details
Fixed
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As; Based on FICO Score
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.19%
▼
APR10.19%
Last UpdatedApril 10, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedApril 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.69%
▼
APR10.69%
Last UpdatedApril 10, 2026
Details
No additional details available.
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedApril 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedApril 10, 2026
Details
As Low As; Up to 36 months (as low as)
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
Signature Loans
10.90%
▼
APR10.90%
Last UpdatedApril 10, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
11.19%
▼
APR11.19%
Last UpdatedApril 10, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
As Low As; $10,000 Maximum
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 10, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedApril 10, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 10, 2026
Details
As Low As
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Signature (unsecured)
11.50%
▼
APR11.50%
Last UpdatedApril 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 10, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 10, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 10, 2026
Details
As Low As
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 10, 2026
Details
Under $5,000
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No home improvement personal loan rates found in Oklahoma City, OK currently.
Oklahoma City, OK Personal Loan Rate Trends
Compare local Oklahoma City, OK personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — OK Avg
12.709%
▼ 0.643 vs 7 days ago
Oklahoma personal loan rates fell 0.643 points over the past 7 days to 12.709% APR.
Signature Loan — OK Avg
11.031%
▲ 0.065 vs 7 days ago
Oklahoma signature loan rates rose 0.065 points over the past 7 days to 11.031% APR.
As of Apr 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Oklahoma?
Most lenders in Oklahoma City, Oklahoma require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Oklahoma often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Oklahoma City, Oklahoma require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Oklahoma?
Yes. Debt consolidation is one of the most common uses of personal loans in Oklahoma City, Oklahoma. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Oklahoma City, Oklahoma?
Credit unions in Oklahoma City, Oklahoma often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Oklahoma City, Oklahoma?
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loan)
- Department of Public Safety Federal Credit Union: 3.99% (Generator Loan)
- Communication Federal Credit Union: 5.99% (Storm Shelter Loan)
- USE Federal Credit Union: 8.99% (Storm Shelter Loan)
- Municipal Employees Credit Union of Oklahoma City: 9.25% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Oklahoma City, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 8, 2026.
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