Best Personal Loan Rates in Tulsa, Oklahoma (OK) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Tulsa, Oklahoma include: Tinker Federal Credit UnionTinker Federal Credit Union8920 E 61st St, Tulsa, OK, 74133A+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loan at 3.99% APR, Fraternal Order Of Police Federal Credit UnionFraternal Order Of Police Federal Credit Union10110 E 11th St, Tulsa, OK, 74128A+5.0 ★Texas Ratio: 1.15% offering Storm Shelter Loans at 4.24% APR, Fire Fighters Credit UnionFire Fighters Credit Union9200 E 41st St, Tulsa, OK, 74145A+5.0 ★Texas Ratio: 4.45% offering Cadet Loans at 5.00% APR, Communication Federal Credit UnionCommunication Federal Credit Union108 E 8th St, Tulsa, OK, 74119 1604A5.0 ★Texas Ratio: 7.85% offering Storm Shelter Loan at 5.99% APR, and OK Members First Federal Credit UnionOK Members First Federal Credit Union10832 E 31st St, Tulsa, OK, 74146A+5.0 ★Texas Ratio: 3.03% offering Unsecured Signature Loan at 7.25% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Tulsa has 17 local institutions in our database, with personal loan rates as low as 3.99% APR from Tinker Federal Credit Union at 8920 E 61st St, Tulsa, OK, 74133. 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 Tulsa, Oklahoma.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Tulsa, 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%
8920 E 61st St, Tulsa, OK, 74133
Storm Shelter Loan
3.99%
▼
APR3.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
10110 E 11th St, Tulsa, OK, 74128
Storm Shelter Loans
4.24%
▼
APR4.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
9200 E 41st St, Tulsa, OK, 74145
Cadet Loans
5.00%
▼
APR5.00%
Last UpdatedApril 9, 2026
Details
As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
108 E 8th St, Tulsa, OK, 74119 1604
Storm Shelter Loan
5.99%
▼
APR5.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
10832 E 31st St, Tulsa, OK, 74146
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
9200 E 41st St, Tulsa, OK, 74145
FFC-U Loan
7.25%
▼
APR7.25%
Last UpdatedApril 9, 2026
Details
As Low As
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
1120 W 17th St, Tulsa, OK, 74107
Promotional Loans
8.24%
▼
APR8.24%
Last UpdatedApril 9, 2026
Details
Fixed
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
10110 E 11th St, Tulsa, OK, 74128
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 9, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
1120 W 17th St, Tulsa, OK, 74107
Signature
9.24%
▼
APR9.24%
Last UpdatedApril 9, 2026
Details
Fixed
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 9, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 9, 2026
Details
As Low As
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
201 W 5th St Ste 320, Tulsa, OK, 74103 4215
Lifestyle Loan
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
4833 S Sheridan Rd Ste 401, Tulsa, OK, 74145
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 9, 2026
Details
As Low As
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
201 W 5th St Ste 320, Tulsa, OK, 74103 4215
Lifestyle Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
201 W 5th St Ste 320, Tulsa, OK, 74103 4215
Lifestyle Loan
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Computer Loan
10.90%
▼
APR10.90%
Last UpdatedApril 9, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8920 E 61st St, Tulsa, OK, 74133
Personal Unsecured Loan
10.95%
▼
APR10.95%
Last UpdatedApril 9, 2026
Details
No additional details available.
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4956 S Peoria Ave, Tulsa, OK, 74105
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
As Low As
Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
201 W 5th St Ste 320, Tulsa, OK, 74103 4215
Lifestyle Loan
11.00%
▼
APR11.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
3720 E 31st St, Tulsa, OK, 74135
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 9, 2026
Details
As Low As
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
10110 E 11th St, Tulsa, OK, 74128
Stress Line Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
As Low As; $10,000 Maximum
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Personal
11.40%
▼
APR11.40%
Last UpdatedApril 9, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1400 S Boston Ave, Tulsa, OK, 74119 3612
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
As Low As
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
9200 E 41st St, Tulsa, OK, 74145
Signature (unsecured)
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 9, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 9, 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%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 9, 2026
Details
No additional details available.
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
4833 S Sheridan Rd Ste 401, Tulsa, OK, 74145
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 9, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Personal Loan
12.65%
▼
APR12.65%
Last UpdatedApril 9, 2026
Details
As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
108 E 8th St, Tulsa, OK, 74119 1604
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
220 W 7th St, Tulsa, OK, 74119
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 9, 2026
Details
Under $5,000
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
108 E 8th St, Tulsa, OK, 74119 1604
Flex Loan
15.65%
▼
APR15.65%
Last UpdatedApril 9, 2026
Details
No additional details available.
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
4200 E Skelly Dr, Tulsa, OK, 74135
Unsecured Loan
16.75%
▼
APR16.75%
Last UpdatedApril 9, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8920 E 61st St, Tulsa, OK, 74133
Personal Unsecured Loan
17.99%
▼
APR17.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
10832 E 31st St, Tulsa, OK, 74146
Payday - Quik Cash Loans
18.00%
▼
APR18.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
1120 W 17th St, Tulsa, OK, 74107
Payday Alternative Loan
18.24%
▼
APR18.24%
Last UpdatedApril 9, 2026
Details
($200 - 1,000)
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Enstant Loans
28.00%
▼
APR28.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Generator Loan
3.99%
▼
APR3.99%
Last UpdatedApril 9, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
4.00%
▼
APR4.00%
Last UpdatedApril 9, 2026
Details
SHARE SECURED
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
5.00%
▼
APR5.00%
Last UpdatedApril 9, 2026
Details
SHARED SECURED
APR5.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Personal "Whatever" Loan
6.99%
▼
APR6.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 9, 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 9, 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 9, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 9, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 9, 2026
Details
As Low As
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 9, 2026
Details
As Low As
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 9, 2026
Details
As Low As; with specific terms.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 9, 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 9, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 9, 2026
Details
As Low As; Rates as low as 9.90%
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As; Based on FICO Score
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Credit Builder Loan
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
No credit check
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 9, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 9, 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 9, 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 9, 2026
Details
As Low As
APR10.45%
Last UpdatedApril 9, 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 9, 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 9, 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 9, 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 9, 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 9, 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 9, 2026
Details
As Low As
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
As Low As; Contact Us
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedApril 9, 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 9, 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 9, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 9, 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 9, 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 9, 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 9, 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 9, 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 9, 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 9, 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 9, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
Firm Foundations Loan
12.99%
▼
APR12.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
Personal Signature Loan
13.24%
▼
APR13.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 9, 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 9, 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 9, 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 9, 2026
Details
$5,001
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Unsecured Loans
13.99%
▼
APR13.99%
Last UpdatedApril 9, 2026
Details
As Low As; Rate determined by credit score
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Credit Builder Loan
16.49%
▼
APR16.49%
Last UpdatedApril 9, 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 9, 2026
Details
No additional details available.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 9, 2026
Details
As Low As
APR28.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4956 S Peoria Ave, Tulsa, OK, 74105
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
As Low As
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
3720 E 31st St, Tulsa, OK, 74135
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 9, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1400 S Boston Ave, Tulsa, OK, 74119 3612
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 9, 2026
Details
No additional details available.
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Personal Loan
12.65%
▼
APR12.65%
Last UpdatedApril 9, 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 9, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 9, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 9, 2026
Details
As Low As
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 9, 2026
Details
As Low As; with specific terms.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 9, 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 9, 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 9, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 9, 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.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 9, 2026
Details
As Low As
Powered by
MonitorBankRates
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 9, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
10832 E 31st St, Tulsa, OK, 74146
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
10110 E 11th St, Tulsa, OK, 74128
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 9, 2026
Details
No additional details available.
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
1120 W 17th St, Tulsa, OK, 74107
Signature
9.24%
▼
APR9.24%
Last UpdatedApril 9, 2026
Details
Fixed
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 9, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 9, 2026
Details
As Low As
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
4833 S Sheridan Rd Ste 401, Tulsa, OK, 74145
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 9, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
As Low As; $10,000 Maximum
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
9200 E 41st St, Tulsa, OK, 74145
Signature (unsecured)
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK, 74129 1400
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 9, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 9, 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%
4833 S Sheridan Rd Ste 401, Tulsa, OK, 74145
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 9, 2026
Details
As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
108 E 8th St, Tulsa, OK, 74119 1604
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
220 W 7th St, Tulsa, OK, 74119
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 9, 2026
Details
Under $5,000
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 9, 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 9, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 9, 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 9, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 9, 2026
Details
As Low As; Rates as low as 9.90%
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As; Based on FICO Score
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.19%
▼
APR10.19%
Last UpdatedApril 9, 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 9, 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 9, 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 9, 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 9, 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 9, 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 9, 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 9, 2026
Details
No additional details available.
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
As Low As; Contact Us
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
11.19%
▼
APR11.19%
Last UpdatedApril 9, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 9, 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 9, 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 9, 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 9, 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 9, 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 9, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
Personal Signature Loan
13.24%
▼
APR13.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Tulsa, OK currently.
Tulsa, OK Personal Loan Rate Trends
Compare local Tulsa, 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 9, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma?
Credit unions in Tulsa, 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 Tulsa, Oklahoma?
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loan)
- Fraternal Order Of Police Federal Credit Union: 4.24% (Storm Shelter Loans)
- Fire Fighters Credit Union: 5.00% (Cadet Loans)
- Communication Federal Credit Union: 5.99% (Storm Shelter Loan)
- OK Members First Federal Credit Union: 7.25% (Unsecured Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tulsa, 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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