Personal loans in Jay, OK

The Census counts 2,458 people in Jay, the 128th-largest figure among Oklahoma's 590 places. Begin with the payment, then weigh APR and total interest across the lenders that reach Jay's 2,458 residents. Consumer lending that reaches Jay's 2,458 residents is governed by Oklahoma statute; no city ordinance changes it. The closest larger city is Grove, OK about 11 miles away.

Where Jay stands

Set out below is Jay's local context next to the state-level rules that reach every lender here.

• Population: 2,458 people, a figure that places Jay 128th among the 590 Census places in Oklahoma (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 1.5% since the 2020 count.
• Absolute change: 36 residents added between 2020 and 2023.
• Size percentile: about 78% of Oklahoma communities are smaller than Jay (2,458 residents).
• Density: the Census land area of 3.3 sq mi holds about 738 people per square mile.
• By land area: Jay ranks 180th among Oklahoma's 590 places, at 3.3 sq mi.
• Share of Oklahoma: Jay holds about 0.1% of the state's population, some 2,458 people.
• Nationally: Jay is the 6,906th-largest of 19,457 Census places in the dataset.
• Growth rank: Jay ranks 227th among Oklahoma's 590 places for the 2020-to-2023 change.
• State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Jay's 1.5%.
• Density in Oklahoma: Jay ranks 198th by people per square mile.
• Density in context: Jay's 738 people per square mile sit against a Oklahoma median of 546.
• Location: 36.4271 / -94.7956, per the US Census Bureau Gazetteer.
• Nearest larger cities: Grove (11 mi); Gentry (21 mi); Vinita (21 mi); Siloam Springs (22 mi); Gravette (24 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: Southwest City (12 mi); Colcord (13 mi); Disney (13 mi).
• Within a 50-mile radius: 77 smaller Census places.
• Larger places within 100 miles: 106.

Getting a loan in Jay

Jay is a moderately settled community of about 2,458 people, with 31 larger places inside a 50-mile radius. Lenders licensed in Oklahoma reach Jay's 2,458 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Grove, OK about 11 miles away.

Oklahoma consumer-lending rules applied in Jay

For the roughly 2,458 residents of Jay, the rules below are Oklahoma's own; each row carries its publisher and retrieval date.

What to do before borrowing in Jay

For Jay's roughly 2,458 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Oklahoma regulator's records to confirm the lender is licensed here.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Jay-specific: the same Oklahoma licensing and disclosure rules reach all 2,458 residents.

Jay in state context

Among Oklahoma's 590 places, Jay sits at 128th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 227th of 590 Oklahoma places, putting it near the 62th percentile for growth. Its roughly 738 residents per square mile place it 198th among Oklahoma's places. Between 2020 and 2023 the count changed by roughly 36 residents.

Where Jay sits

Jay covers about 3.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 738 residents per square mile. The state's population centre of gravity, Oklahoma City, is roughly 166 miles away. A 50-mile radius around Jay takes in 31 places that are larger. Within the same 50 miles lie 77 smaller Census places.