Personal loans in Ashland, OK
An estimated 31 people make their home in Ashland, a figure that ranks 572nd in Oklahoma. Ashland is a small community of about 31 residents, and a personal loan taken out here is governed by Oklahoma statute.
Judge Ashland offers on total cost, not on how quickly the money arrives. Consumer lending that reaches Ashland's 31 residents is governed by Oklahoma statute; no city ordinance changes it. A 2020-to-2023 comparison shows Ashland down by about 3.1%. The closest larger city is Stuart, OK about 10 miles away.
Ashland: population, trend and location
Read the local figures below as context; read the sourced Oklahoma table as the rulebook a lender here must follow.
- Population: 31 people, a figure that places Ashland 572nd among the 590 Census places in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: Down about 3.1% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 1 fewer since the 2020 base.
- Size percentile: with 31 residents, Ashland is larger than about 3% of Oklahoma's Census places.
- Population density: about 156 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Ashland covers 0.2 square miles, the 555th-largest area among Oklahoma's 590 places.
- Within Oklahoma: about 0.0% of the state's population lives in Ashland.
- National rank: Ashland is 19,211th of 19,457 places nationwide.
- Growth rank: Ashland ranks 554th among Oklahoma's 590 places for the 2020-to-2023 change.
- Versus Oklahoma: the state average change is +1.3%, while Ashland moved 3.1%.
- Density in Oklahoma: Ashland ranks 486th by people per square mile.
- Against the state median: Ashland runs about 156 residents per square mile, where the Oklahoma median is 546.
- Location: latitude 34.7656, longitude -96.0709 (Census Gazetteer).
- Nearest larger cities: Stuart (10 mi); Kiowa (10 mi); Pittsburg (13 mi); Gerty (13 mi); Savanna (14 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: Stidham (47 mi); Macomb (59 mi); Fallis (90 mi).
- Smaller neighbours: 1 places smaller than Ashland sit within 50 miles.
- Within 100 miles: 323 places are larger than Ashland.
How a Ashland personal loan is priced
With roughly 31 residents, Ashland is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ashland. Because the payment is fixed, the total cost of a Ashland loan is knowable in advance — unlike a revolving card balance.
The state rulebook for Ashland
Every row below records a Oklahoma rule, its publisher and its retrieval date — the same rules a Ashland lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Oklahoma Department of Consumer Credit (OKDOCC) Source says: "The Department is responsible for the regulation of consumer credit sales and consumer loans in the State of Oklahoma." | Oklahoma Department of Consumer Credit as of 2026-09-16 |
| Small loan rate and principal caps (state-specific rule) | Small loans: interest capped at 17% per month; maximum aggregated principal of $1,500 per customer across all licensees (CPI-adjusted). Source says: "A licensee may only charge and collect a periodic interest rate not to exceed seventeen percent (17%) per month" (59 O.S. 3150.10(B)); max aggregated principal is $1,500 (3150.10(C)). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 6% per annum legal rate in the absence of a contract; parties may agree to any rate authorized by law. Source says: "The legal rate of interest shall be six percent (6%) in the absence of any contract as to the rate of interest" (15 O.S. 266). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
The geography behind Ashland
The Census Gazetteer records about 0.2 square miles of land within Ashland, with no significant water area listed. With 31 residents, the land area yields roughly 156 people per square mile. The largest place in Oklahoma, Oklahoma City, lies about 95 miles away. Ashland has 68 larger places within a 50-mile radius. By land area it ranks 555th of 590 Oklahoma places.
Ashland against the rest of Oklahoma
Against Oklahoma's other places, Ashland accounts for about 0.0% of the state's population and ranks 572nd of 590 by size. On the 2020-to-2023 trend, Ashland stands 554th among Oklahoma's 590 places — roughly the 6th percentile. Its roughly 156 residents per square mile place it 486th among Oklahoma's places. Within 50 miles sit 1 smaller Census places, alongside the 68 that are larger.
Getting a loan in Ashland
Ashland is a lightly settled community of about 31 people, with 68 larger places inside a 50-mile radius. Lenders licensed in Oklahoma reach Ashland's 31 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Stuart, OK about 10 miles away.
Common questions
What are my options in Ashland if my credit is poor?
What loan size can I expect in Ashland?
Do I have to pledge anything to borrow in Ashland?
Does comparing loans in Ashland cost me credit score points?
Nearby places
- Stuart, OK — population 194
- Kiowa, OK — population 600
- Pittsburg, OK — population 175
- Gerty, OK — population 95
- Savanna, OK — population 616
- Calvin, OK — population 314
- Coalgate, OK — population 1,666
- Stringtown, OK — population 432