Personal loans in Ames, OK

Census figures put the 2020-to-2023 decrease in Ames at about 2.1%. Which products a lender may offer to Ames's 191 residents follows from the Oklahoma consumer-lending framework. Verify the lender's Oklahoma licence against the regulator named below before borrowing in Ames. The next larger city is Drummond, OK about 9 miles away.

Borrowing in Ames: the local picture

Set out below is Ames's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 191 residents in Ames (Vintage 2023 subcounty estimate), the 433rd-largest figure among Oklahoma's 590 places.
• Population trend: Lower by roughly 2.1% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
• Size percentile: roughly 27% of Oklahoma's places have fewer residents than Ames's 191.
• Land and density: 0.3 square miles of land carry roughly 687 residents per square mile.
• By land area: Ames ranks 500th among Oklahoma's 590 places, at 0.3 sq mi.
• Share of state population: Ames's 191 residents are about 0.0% of Oklahoma.
• National rank: Ames is the 16,611th most populous of the 19,457 Census places covered here.
• Growth rank: Ames's 2020-to-2023 change ranks 516th of 590 places in Oklahoma.
• Versus Oklahoma: the state average change is +1.3%, while Ames moved 2.1%.
• Density in Oklahoma: Ames ranks 229th by people per square mile.
• Against the state median: Ames runs about 687 residents per square mile, where the Oklahoma median is 546.
• Location: latitude 36.2470, longitude -98.1861 (Census Gazetteer).
• Nearest larger cities: Drummond (9 mi); Meno (10 mi); Ringwood (10 mi); Lahoma (11 mi); Okeene (12 mi). Living near a larger metro rarely changes what is available in Ames.
• Nearest smaller towns: Carrier (19 mi); Loyal (19 mi); Hitchcock (21 mi) — useful context for the surrounding area.
• Smaller neighbours: 21 places smaller than Ames sit within 50 miles.
• At 100 miles: 187 larger Census places fall inside that radius.

How Oklahoma law applies in Ames

Below are the Oklahoma rules that apply to a loan made in Ames, each with the regulator that issued it.

The geography behind Ames

Inside Ames's boundaries lie about 0.3 square miles of land, with no significant water area recorded. With 191 residents, the land area yields roughly 687 people per square mile. Oklahoma City, the largest place in Oklahoma, is about 66 miles from Ames. Ames has 44 larger places within a 50-mile radius. The 100-mile radius contains 187 larger places.

Lender access in Ames

Ames is moderately settled, with about 687 people per square mile and 44 larger places within 50 miles. A Oklahoma licence lets a lender serve Ames without a local office, so branch density does not change what its 191 residents are offered. The nearest bigger place is Drummond, OK about 9 miles away.

Ames in state context

Set beside Oklahoma's 590 places, Ames ranks 433rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 516th of 590 Oklahoma places, putting it near the 13th percentile for growth. By density, at about 687 people per square mile, it ranks 229th in Oklahoma. In land area, Ames ranks 500th among Oklahoma's 590 places.

Before you apply in Ames

Before you hand your details to a lender in Ames, where the population is near 191:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Oklahoma regulator's licence list.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Ames-specific: the same Oklahoma licensing and disclosure rules reach all 191 residents.