Personal loans in Leon, OK

Leon is a small community of about 76 residents, and a personal loan taken out here is governed by Oklahoma statute. Rate ceilings, licensing requirements and product limits for Leon are all set at the Oklahoma level.

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

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Leon is one of 590 Census places in Oklahoma; its 76 residents put it at 537th. Begin with the payment, then weigh APR and total interest across the lenders that reach Leon's 76 residents. Census figures put the 2020-to-2023 increase in Leon at about 2.7%. A larger market lies at St. Jo, TX about 14 miles away.

Leon: the sourced local profile

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

Population: about 76 people live here, which puts Leon 537th of 590 Census places in Oklahoma (Vintage 2023).
Population trend: Roughly 2.7% more residents than the 2020 Census counted.
People gained or lost: about 2 more since the 2020 base.
Size percentile: roughly 9% of Oklahoma's places have fewer residents than Leon's 76.
Density: roughly 283 residents per square mile, spread over 0.3 sq mi of land.
By land area: Leon ranks 509th among Oklahoma's 590 places, at 0.3 sq mi.
Share of Oklahoma: Leon holds about 0.0% of the state's population, some 76 people.
National rank: Leon sits 18,550th by population among the 19,457 places in this dataset.
Growth rank: Leon ranks 145th among Oklahoma's 590 places for the 2020-to-2023 change.
State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Leon's 2.7%.
Density in Oklahoma: Leon ranks 429th by people per square mile.
Against the state median: Leon runs about 283 residents per square mile, where the Oklahoma median is 546.
Location: the Census Gazetteer records it at 33.8773, -97.4291.
Nearest larger cities: St. Jo (14 mi); Muenster (16 mi); Thackerville (18 mi); Marietta (18 mi); Nocona (18 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller places: Sugden (35 mi); Ratliff City (40 mi); Corral City (55 mi).
Smaller neighbours: 2 places smaller than Leon sit within 50 miles.
Larger places within 100 miles: 364.

Borrowing reach in Leon

Leon is lightly settled, with about 283 people per square mile and 64 larger places within 50 miles. What is available to Leon's 76 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest larger city, St. Jo, TX about 14 miles away.

Which Oklahoma laws govern a loan in Leon

Oklahoma has no separate rate rule for Leon; the sourced rows below are what reach every lender that serves its 76 people.

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

Leon on the map

The Census Gazetteer records about 0.3 square miles of land within Leon, with no significant water area listed. Spread across it are roughly 283 residents per square mile. Oklahoma City, the largest place in Oklahoma, is about 110 miles from Leon. Leon has 64 larger places within a 50-mile radius. The 100-mile radius contains 364 larger places.

Inside a Leon personal loan

In Leon, a small community of about 76, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Leon. Shortening the term on a Leon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Leon's place among Oklahoma's 590 places

Against Oklahoma's other places, Leon accounts for about 0.0% of the state's population and ranks 537th of 590 by size. For population change between 2020 and 2023, Leon ranks 145th of 590 in Oklahoma (about the 75th percentile). By density, at about 283 people per square mile, it ranks 429th in Oklahoma. The population moved by about 2 people between 2020 and 2023, a 2.7% shift.

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Common questions

What are my options in Leon 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 Leon is the same as anywhere in Oklahoma.

What loan size can I expect in Leon?

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 Leon?

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 Leon 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

St. Jo, TX — population 944
Muenster, TX — population 1,665
Wilson, OK — population 1,426
Thackerville, OK — population 405
Marietta, OK — population 2,841
Lindsay, TX — population 1,197
Nocona, TX — population 3,190
Cornish, OK — population 112