Personal loans in Ryan, OK
A lender serving Ryan holds a Oklahoma licence and answers to a Oklahoma regulator; no city office is involved for its 668 residents.
Begin with the payment, then weigh APR and total interest across the lenders that reach Ryan's 668 residents. The Census estimates 668 residents in Ryan, which ranks it 267th of 590 places in Oklahoma. Every figure below is Oklahoma's own, applied to Ryan's 668 residents, with the publisher and retrieval date attached. The 2020 count to the 2023 estimate shows about 0.1% growth in Ryan. The next larger city is Waurika, OK about 12 miles away.
Where Ryan stands
Set out below is Ryan's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 668 residents in Ryan (Vintage 2023 subcounty estimate), the 267th-largest figure among Oklahoma's 590 places.
- Population trend: Growth of about 0.1% across the 2020-to-2023 comparison.
- Net change: roughly 1 more people than the 2020 Census counted.
- Size percentile: with 668 residents, Ryan is larger than about 55% of Oklahoma's Census places.
- Population density: about 702 people per square mile across 1.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Ryan covers 1.0 square miles, the 333rd-largest area among Oklahoma's 590 places.
- Within Oklahoma: about 0.0% of the state's population lives in Ryan.
- National rank: Ryan sits 11,996th by population among the 19,457 places in this dataset.
- Growth rank: Ryan ranks 331st among Oklahoma's 590 places for the 2020-to-2023 change.
- Versus Oklahoma: the state average change is +1.3%, while Ryan moved 0.1%.
- Density rank: Ryan places 221st among Oklahoma's places by people per square mile.
- Against the state median: Ryan runs about 702 residents per square mile, where the Oklahoma median is 546.
- Location: mapped by the US Census Bureau at 34.0214, -97.9542.
- Nearest larger cities: Waurika (12 mi); Henrietta (20 mi); Nocona (21 mi); Ringling (23 mi); Temple (24 mi). Larger metros often have more branches, but online lenders reach Ryan on the same terms.
- Nearest smaller places: Sugden (4 mi); Terral (9 mi); Byers (14 mi).
- Smaller places within 50 miles: 25 of them.
- Within 100 miles: 203 places are larger than Ryan.
Lender access in Ryan
Ryan is moderately settled, with about 702 people per square mile and 31 larger places within 50 miles. Lenders licensed in Oklahoma reach Ryan's 668 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Waurika, OK about 12 miles away.
The anatomy of a Ryan personal loan
A Ryan personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 668 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ryan. A longer term lowers the monthly payment on a Ryan loan but raises total interest, so the smallest payment is not the cheapest loan.
Ryan on the map
The Census Gazetteer records about 1.0 square miles of land within Ryan, with no significant water area listed. With 668 residents, the land area yields roughly 702 people per square mile. Oklahoma City, the largest place in Oklahoma, is about 103 miles from Ryan. Counting outward 50 miles, 31 larger communities surround Ryan. By land area it ranks 333rd of 590 Oklahoma places.
Ryan in state context
Set beside Oklahoma's 590 places, Ryan ranks 267th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Ryan stands 331st among Oklahoma's 590 places — roughly the 44th percentile. At about 702 people per square mile, Ryan is the 221st most densely settled place in Oklahoma. In land area, Ryan ranks 333rd among Oklahoma's 590 places.
Oklahoma consumer-lending rules applied in Ryan
Below are the Oklahoma rules that apply to a loan made in Ryan, each with the regulator that issued it.
| 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 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 |
| 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 |
Common questions
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Nearby places
- Sugden, OK — population 23
- Terral, OK — population 276
- Waurika, OK — population 1,838
- Addington, OK — population 86
- Byers, TX — population 472
- Hastings, OK — population 105
- Petrolia, TX — population 539
- Henrietta, TX — population 3,239