Personal loans in Clayton, OK

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Clayton loan. The 2020 count to the 2023 estimate shows about 0.2% growth in Clayton. Rate ceilings, licensing requirements and product limits for Clayton are all set at the Oklahoma level. The nearest larger metro is Hartshorne, OK about 21 miles away.

Where Clayton stands

Two layers matter for a Clayton borrower: the local population picture and Oklahoma's consumer-lending statutes.

• Population: 555 residents; Clayton is the 292nd-largest of 590 places in Oklahoma (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 0.2% from 2020 to 2023.
• Absolute change: 1 residents added between 2020 and 2023.
• Size percentile: roughly 51% of Oklahoma places rank below Clayton.
• Population density: 330 people per square mile on 1.7 square miles of land.
• Land area: Clayton covers 1.7 square miles, the 256th-largest area among Oklahoma's 590 places.
• Water area rank: Clayton ranks 151st among Oklahoma's 590 places, with 0.02 sq mi.
• Share of state population: Clayton's 555 residents are about 0.0% of Oklahoma.
• National rank: Clayton is the 12,736th most populous of the 19,457 Census places covered here.
• Growth rank: Clayton's 2020-to-2023 change ranks 327th of 590 places in Oklahoma.
• Against the state trend: Clayton's 0.2% change compares with a Oklahoma average of +1.3% across its 590 places.
• Density in Oklahoma: Clayton ranks 409th by people per square mile.
• Against the state median: Clayton runs about 330 residents per square mile, where the Oklahoma median is 546.
• Location: latitude 34.5861, longitude -95.3557 (Census Gazetteer).
• Nearest larger cities: Hartshorne (21 mi); Talihina (21 mi); Haileyville (22 mi); Wilburton (23 mi); Antlers (29 mi). Lenders licensed in the state serve Clayton whether or not they keep a local branch.
• Nearest smaller places: Albion (15 mi); Rattan (27 mi); Alderson (29 mi).
• Smaller neighbours: 26 places smaller than Clayton sit within 50 miles.
• Larger places within 100 miles: 139.

What is available to Clayton borrowers

Clayton is lightly settled, with about 330 people per square mile and 20 larger places within 50 miles. What is available to Clayton's 555 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest larger city, Hartshorne, OK about 21 miles away.

The anatomy of a Clayton personal loan

A Clayton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 555 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Clayton. Shortening the term on a Clayton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Clayton compares across Oklahoma

Set beside Oklahoma's 590 places, Clayton ranks 292nd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 327th of 590 Oklahoma places, putting it near the 45th percentile for growth. Its roughly 330 residents per square mile place it 409th among Oklahoma's places. Within 50 miles sit 26 smaller Census places, alongside the 20 that are larger.

Clayton on the map

The Census Gazetteer records 1.7 square miles of land and 0.02 square miles of water within Clayton. Spread across it are roughly 330 residents per square mile. The state's population centre of gravity, Oklahoma City, is roughly 136 miles away. Counting outward 50 miles, 20 larger communities surround Clayton. The 100-mile radius contains 139 larger places.

Which Oklahoma laws govern a loan in Clayton

For the roughly 555 residents of Clayton, the rules below are Oklahoma's own; each row carries its publisher and retrieval date.