Personal loans in Davidson, OK

An estimated 245 people make their home in Davidson, a figure that ranks 415th in Oklahoma. The roughly 245 people who live in Davidson borrow under Oklahoma rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Population in Davidson dropped about 0.8% over the three years from 2020 to 2023. Read the disclosure for an origination fee and any prepayment penalty before signing in Davidson. Lenders active in Davidson report to a Oklahoma supervisor, identified in the sourced rows below. The nearest larger city is Frederick, OK about 9 miles away.

Davidson by the numbers

The figures below are Davidson's own — Census population, land area and coordinates — followed by the Oklahoma rules.

Population: the Census counts 245 residents in Davidson (Vintage 2023 subcounty estimate), the 415th-largest figure among Oklahoma's 590 places.
Population trend: The 2020-to-2023 change is negative, near 0.8%.
Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
Size percentile: about 30% of Oklahoma communities are smaller than Davidson (245 residents).
Population density: about 509 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Davidson ranks 436th among Oklahoma's 590 places, at 0.5 sq mi.
State population share: Davidson accounts for about 0.0% of everyone in Oklahoma.
National rank: Davidson is the 15,829th most populous of the 19,457 Census places covered here.
Growth in Oklahoma: Davidson stands 432nd by percentage change from 2020 to 2023, among 590 places.
Against the state trend: Davidson's 0.8% change compares with a Oklahoma average of +1.3% across its 590 places.
Density rank: Davidson is the 317th most densely settled place in Oklahoma.
Density in context: Davidson's 509 people per square mile sit against a Oklahoma median of 546.
Location: coordinates 34.2421, -99.0781 (US Census Bureau Gazetteer).
Nearest larger cities: Frederick (9 mi); Vernon (14 mi); Electra (17 mi); Tipton (18 mi); Grandfield (22 mi). A branch is convenient; it is not what sets your APR.
Smaller towns nearby: Hollister (14 mi); Loveland (18 mi); Manitou (19 mi).
Within a 50-mile radius: 12 smaller Census places.
Within 100 miles: 120 places are larger than Davidson.

What is available to Davidson borrowers

Davidson is a moderately settled community of about 245 people, with 34 larger places inside a 50-mile radius. What is available to Davidson's 245 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Frederick, OK about 9 miles away.

Where Davidson sits in Oklahoma

Set beside Oklahoma's 590 places, Davidson ranks 415th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Davidson ranks 432nd of 590 in Oklahoma (about the 27th percentile). By density, at about 509 people per square mile, it ranks 317th in Oklahoma. Within 50 miles sit 12 smaller Census places, alongside the 34 that are larger.

What to do before borrowing in Davidson

Complete these steps first when you borrow in Davidson (245 residents):

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Get several pre-qualifications and compare APR side by side before choosing.
Make sure the lender appears in the Oklahoma regulator's licence list.
Make sure the new payment leaves room in a budget you already keep.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.

What differs between Davidson and the rest of Oklahoma is not the process but the borrower's own file, among the 245 people here.

Oklahoma rules behind a Davidson personal loan

The rows below set out what a licensed lender must follow in Oklahoma, and so for Davidson's roughly 245 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
Small-loan / installment lender licensing	Oklahoma Small Lender license required (Oklahoma Department of Consumer Credit); separate license per location; 59 O.S. 3150-3150.27. Source says: "no person shall engage in the business of making small loans... unless the person is licensed by the Department of Consumer Credit" (59 O.S. 3150.2).	Oklahoma State Courts Network (Oklahoma Statutes, OSCN) 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

How personal loans work in Davidson

Most loans made to Davidson's 245 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Davidson loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Davidson loan is knowable in advance — unlike a revolving card balance.

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Common questions

What are my options in Davidson if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Davidson is the same as anywhere in Oklahoma.

What loan size can I expect in Davidson?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Davidson?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Davidson cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Frederick, OK — population 3,419
Hollister, OK — population 34
Vernon, TX — population 9,788
Electra, TX — population 2,272
Tipton, OK — population 846
Manitou, OK — population 170
Loveland, OK — population 15
Elmer, OK — population 63