Personal loans in Shattuck, OK
Rate ceilings, licensing requirements and product limits for Shattuck are all set at the Oklahoma level. Personal loans in Shattuck are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,210 population.
An estimated 1,210 people make their home in Shattuck, a figure that ranks 184th in Oklahoma. A 2020-to-2023 comparison shows Shattuck down by about 3.0%. Pull your credit reports and line up at least three offers before you apply from Shattuck. The next larger city is Woodward, OK about 29 miles away.
The Shattuck data picture
Two layers matter for a Shattuck borrower: the local population picture and Oklahoma's consumer-lending statutes.
- Population: the Census counts 1,210 residents in Shattuck (Vintage 2023 subcounty estimate), the 184th-largest figure among Oklahoma's 590 places.
- Population trend: Roughly 3.0% fewer residents than the 2020 Census counted.
- Absolute change: 37 residents lost between 2020 and 2023.
- Size percentile: Shattuck's 1,210 people outrank roughly 69% of the places in Oklahoma.
- Population density: about 551 people per square mile (Census land area 2.2 sq mi).
- Land area rank: Shattuck's 2.2 square miles rank 222nd of 590 places in Oklahoma.
- Share of Oklahoma: Shattuck holds about 0.0% of the state's population, some 1,210 people.
- National rank: Shattuck is 9,515th of 19,457 places nationwide.
- Growth in Oklahoma: Shattuck stands 547th by percentage change from 2020 to 2023, among 590 places.
- State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Shattuck's 3.0%.
- Density rank: Shattuck places 294th among Oklahoma's places by people per square mile.
- Density vs Oklahoma: Shattuck's 551 people per square mile compare with a state median of 546.
- Location: the Census Gazetteer records it at 36.2650, -99.8774.
- Nearest larger cities: Woodward (29 mi); Canadian (37 mi); Booker (39 mi); Perryton (52 mi); Beaver (52 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Gage (8 mi); Arnett (11 mi); Higgins (13 mi).
- Smaller neighbours: 22 places smaller than Shattuck sit within 50 miles.
- Within 100 miles: 31 places are larger than Shattuck.
How Shattuck compares across Oklahoma
Set beside Oklahoma's 590 places, Shattuck ranks 184th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Shattuck stands 547th among Oklahoma's 590 places — roughly the 7th percentile. Its roughly 551 residents per square mile place it 294th among Oklahoma's places. Between 2020 and 2023 the count changed by roughly 37 residents.
Shattuck: area, density and distance
The Census Gazetteer records about 2.2 square miles of land within Shattuck, with no significant water area listed. The resulting density is about 551 people per square mile. Oklahoma City, the largest place in Oklahoma, is about 143 miles from Shattuck. Counting outward 50 miles, 3 larger communities surround Shattuck. The 100-mile radius contains 31 larger places.
What Oklahoma law requires in Shattuck
Read the table as a lender's compliance picture for Shattuck: the rule, the sourced figure, the publisher and the date.
| 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 |
What a Shattuck borrower is actually offered
Shattuck is a small community of about 1,210 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Shattuck's rank of 184th in Oklahoma: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Shattuck decides the split between a comfortable payment and the total interest you pay.
What to do before borrowing in Shattuck
Complete these steps first when you borrow in Shattuck (1,210 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the Oklahoma regulator's licence list.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Check that the monthly payment fits your budget next to your existing obligations.
What differs between Shattuck and the rest of Oklahoma is not the process but the borrower's own file, among the 1,210 people here.
Common questions
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What loan size can I expect in Shattuck?
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Does comparing loans in Shattuck cost me credit score points?
Nearby places
- Gage, OK — population 422
- Arnett, OK — population 484
- Higgins, TX — population 345
- Fargo, OK — population 306
- Follett, TX — population 359
- May, OK — population 29
- Fort Supply, OK — population 315
- Laverne, OK — population 1,189