Personal loans in Cromwell, OK
When Oklahoma caps or restricts a product, lenders either change the terms or withdraw it from Cromwell as from the rest of the state.
Cromwell counts about 237 people, and what is genuinely local about borrowing here is limited — Oklahoma law does the governing. The Census estimates 237 residents in Cromwell, which ranks it 417th of 590 places in Oklahoma. Census figures put the 2020-to-2023 decrease in Cromwell at about 0.4%. Judge Cromwell offers on total cost, not on how quickly the money arrives. The closest larger city is Boley, OK about 10 miles away.
Cromwell: the sourced local profile
Two layers matter for a Cromwell borrower: the local population picture and Oklahoma's consumer-lending statutes.
- Population: 237 — Cromwell ranks 417th of 590 communities in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 0.4%.
- People gained or lost: about 1 fewer since the 2020 base.
- Size percentile: roughly 29% of Oklahoma places rank below Cromwell.
- Population density: about 400 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Cromwell's 0.6 square miles rank 399th of 590 places in Oklahoma.
- State population share: Cromwell accounts for about 0.0% of everyone in Oklahoma.
- National standing: Cromwell ranks 15,939th of 19,457 US places.
- Growth rank: Cromwell ranks 406th among Oklahoma's 590 places for the 2020-to-2023 change.
- Against the state trend: Cromwell's 0.4% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Cromwell is the 372nd most densely settled place in Oklahoma.
- Density in context: Cromwell's 400 people per square mile sit against a Oklahoma median of 546.
- Location: coordinates 35.3407, -96.4596 (US Census Bureau Gazetteer).
- Nearest larger cities: Boley (10 mi); Okemah (11 mi); Seminole (13 mi); Paden (13 mi); Wewoka (14 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller towns nearby: Bearden (4 mi); Castle (10 mi); IXL (14 mi).
- Smaller places within 50 miles: 34 of them.
- At 100 miles: 241 larger Census places fall inside that radius.
Cromwell's place among Oklahoma's 590 places
Against Oklahoma's other places, Cromwell accounts for about 0.0% of the state's population and ranks 417th of 590 by size. On the 2020-to-2023 trend, Cromwell stands 406th among Oklahoma's 590 places — roughly the 31th percentile. At about 400 people per square mile, Cromwell is the 372nd most densely settled place in Oklahoma. Within 50 miles sit 34 smaller Census places, alongside the 64 that are larger.
The geography behind Cromwell
Cromwell's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 400 residents per square mile. Oklahoma City, the largest place in Oklahoma, is about 60 miles from Cromwell. Counting outward 50 miles, 64 larger communities surround Cromwell. The 100-mile radius contains 241 larger places.
How lenders reach Cromwell
At roughly 400 people per square mile, Cromwell is lightly settled; 64 larger places lie within 50 miles. Lenders licensed in Oklahoma reach Cromwell's 237 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Boley, OK about 10 miles away.
What shapes a Cromwell personal loan
A Cromwell personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 237 residents. Because pricing is borrower-level, two people in Cromwell can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Cromwell loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Cromwell
This table holds the Oklahoma rate and licensing rules for consumer loans made to Cromwell's 237 residents.
| 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 |
| 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 |
| Payday lending status | Prohibited since August 1, 2020: no new deferred deposit (payday) loans may be made; all Deferred Deposit Lending Act licenses terminated. Source says: "Beginning on and after August 1, 2020, no new deferred deposit loan may be entered into or transacted by a licensee or other person" and "All Deferred Deposit Lending Act licenses shall be terminated and be deemed to have expired on August 1, 2020" (59 O.S. 3101.1). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
Common questions
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Nearby places
- Bearden, OK — population 133
- Castle, OK — population 171
- Boley, OK — population 1,086
- Okemah, OK — population 3,051
- Paden, OK — population 420
- Wewoka, OK — population 3,084
- IXL, OK — population 59
- Lima, OK — population 66