Personal loans in Pauls Valley, OK
Pauls Valley, Oklahoma — home to about 6,053 people — is a small town, so the terms you are offered follow Oklahoma law rather than any local rule. Pauls Valley is one of 590 Census places in Oklahoma; its 6,053 residents put it at 67th.
Pauls Valley gained roughly 0.3% in population across the 2020-to-2023 comparison. For a community of about 6,053, the practical step is to compare APR across at least three lenders before committing. The closest larger city is Purcell, OK about 23 miles away. Lenders active in Pauls Valley report to a Oklahoma supervisor, identified in the sourced rows below.
Borrowing in Pauls Valley: the local picture
Here is the sourced Census picture for Pauls Valley, plus the Oklahoma lending rules that apply to a loan taken out here.
- Population: the Census counts 6,053 residents in Pauls Valley (Vintage 2023 subcounty estimate), the 67th-largest figure among Oklahoma's 590 places.
- Population trend: Higher by roughly 0.3% since the 2020 count.
- People gained or lost: about 16 more since the 2020 base.
- Size percentile: with 6,053 residents, Pauls Valley is larger than about 89% of Oklahoma's Census places.
- Density: the Census land area of 8.3 sq mi holds about 727 people per square mile.
- Land area: Pauls Valley covers 8.3 square miles, the 97th-largest area among Oklahoma's 590 places.
- Water area: Pauls Valley has 0.17 square miles of water, ranking 60th of 590 places in Oklahoma.
- Share of Oklahoma: Pauls Valley holds about 0.2% of the state's population, some 6,053 people.
- Nationally: Pauls Valley is the 4,337th-largest of 19,457 Census places in the dataset.
- Growth in Oklahoma: Pauls Valley stands 318th by percentage change from 2020 to 2023, among 590 places.
- State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Pauls Valley's 0.3%.
- Density rank: Pauls Valley is the 204th most densely settled place in Oklahoma.
- Against the state median: Pauls Valley runs about 727 residents per square mile, where the Oklahoma median is 546.
- Location: latitude 34.7102, longitude -97.2240 (Census Gazetteer).
- Nearest larger cities: Purcell (23 mi); Noble (31 mi); Ada (32 mi); Ardmore (36 mi); Norman (37 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Wynnewood (6 mi); Paoli (8 mi); Katie (10 mi).
- Within a 50-mile radius: 74 smaller Census places.
- Within 100 miles: 46 places are larger than Pauls Valley.
Where Pauls Valley sits in Oklahoma
Set beside Oklahoma's 590 places, Pauls Valley ranks 67th by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Pauls Valley stands 318th among Oklahoma's 590 places — roughly the 46th percentile. Its roughly 727 residents per square mile place it 204th among Oklahoma's places. Within 50 miles sit 74 smaller Census places, alongside the 13 that are larger.
The state rulebook for Pauls Valley
These are Oklahoma's sourced lending facts as they reach Pauls Valley's 6,053 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
How personal loans work in Pauls Valley
Pauls Valley is a small town of about 6,053 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Pauls Valley lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Pauls Valley loan is knowable in advance — unlike a revolving card balance.
How lenders reach Pauls Valley
Pauls Valley is a moderately settled community of about 6,053 people, with 13 larger places inside a 50-mile radius. Lenders licensed in Oklahoma reach Pauls Valley's 6,053 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Purcell, OK about 23 miles away.
Land, water and location for Pauls Valley
Inside Pauls Valley's boundaries lie roughly 8.3 square miles of land and 0.17 square miles of water. That land carries about 727 people per square mile. The state's population centre of gravity, Oklahoma City, is roughly 55 miles away. A 50-mile radius around Pauls Valley takes in 13 places that are larger. By land area it ranks 97th of 590 Oklahoma places.
Common questions
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Nearby places
- Wynnewood, OK — population 1,927
- Paoli, OK — population 584
- Katie, OK — population 339
- Elmore City, OK — population 745
- Rosedale, OK — population 70
- Maysville, OK — population 1,083
- Wayne, OK — population 662
- Byars, OK — population 198