Personal loans in Bray, OK

In Bray, one of 590 Census places in Oklahoma, the figure to compare across lenders is the APR, not the advertised rate. When Oklahoma caps or restricts a product, lenders either change the terms or withdraw it from Bray as from the rest of the state. Begin with the payment, then weigh APR and total interest across the lenders that reach Bray's 995 residents. The nearest larger city is Marlow, OK about 8 miles away.

Bray by the numbers

What follows is Bray's place in the Census record, alongside the Oklahoma rules that govern a personal loan made here.

• Population: a Census-estimated 995, 212th among Oklahoma's 590 places (Vintage 2023).
• Population trend: A rise of about 4.4% from 2020 to 2023.
• Absolute change: 42 residents added between 2020 and 2023.
• Size percentile: roughly 64% of Oklahoma places rank below Bray.
• Population density: about 16 people per square mile across 61.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Bray's 61.6 square miles rank 9th of 590 places in Oklahoma.
• Water area rank: Bray ranks 16th among Oklahoma's 590 places, with 1.31 sq mi.
• Share of state population: Bray's 995 residents are about 0.0% of Oklahoma.
• National rank: Bray sits 10,219th by population among the 19,457 places in this dataset.
• Growth rank: Bray ranks 71st among Oklahoma's 590 places for the 2020-to-2023 change.
• State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Bray's 4.4%.
• Density rank: Bray places 579th among Oklahoma's places by people per square mile.
• Against the state median: Bray runs about 16 residents per square mile, where the Oklahoma median is 546.
• Location: 34.6084, -97.8175 (US Census Bureau Gazetteer).
• Nearest larger cities: Marlow (8 mi); Duncan (12 mi); Rush Springs (14 mi); Central High (15 mi); Comanche (19 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Velma (14 mi); Empire City (16 mi); Foster (19 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 45 of them.
• Larger places within 100 miles: 133.

What is available to Bray borrowers

With about 16 residents per square mile, Bray is sparsely settled, and 34 larger Census places sit within 50 miles. What is available to Bray's 995 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Marlow, OK about 8 miles away.

Oklahoma consumer-lending rules applied in Bray

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

Inside a Bray personal loan

Most loans made to Bray's 995 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Bray's rank of 212th in Oklahoma: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Bray loan is knowable in advance — unlike a revolving card balance.

Bray in state context

Within Oklahoma, Bray holds roughly 0.0% of all residents, the 212th-largest share among 590 places. For population change between 2020 and 2023, Bray ranks 71st of 590 in Oklahoma (about the 88th percentile). Its roughly 16 residents per square mile place it 579th among Oklahoma's places. The population moved by about 42 people between 2020 and 2023, a 4.4% shift.

Where Bray sits

Bray's land area is about 61.6 square miles; a further 1.31 square miles is water. Spread across it are roughly 16 residents per square mile. The largest place in Oklahoma, Oklahoma City, lies about 62 miles away. Within 50 miles of Bray there are 34 larger Census places. By land area it ranks 9th of 590 Oklahoma places.