Personal loans in Spaulding, OK

With 150 residents, Spaulding outranks about 21% of the communities in Oklahoma. The nearest larger city is Holdenville, OK about 5 miles away. A lender that serves Spaulding operates under Oklahoma lending statutes and a Oklahoma supervisor. Verify the lender's Oklahoma licence against the regulator named below before borrowing in Spaulding.

Spaulding by the numbers

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

• Population: 150 — Spaulding ranks 468th of 590 communities in Oklahoma (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 2.0% from 2020 to 2023.
• People gained or lost: about 3 more since the 2020 base.
• Size percentile: roughly 21% of Oklahoma places rank below Spaulding.
• Density: the Census land area of 3.2 sq mi holds about 48 people per square mile.
• By land area: Spaulding ranks 183rd among Oklahoma's 590 places, at 3.2 sq mi.
• Share of Oklahoma: Spaulding holds about 0.0% of the state's population, some 150 people.
• National rank: Spaulding sits 17,291st by population among the 19,457 places in this dataset.
• Growth rank: Spaulding's 2020-to-2023 change ranks 180th of 590 places in Oklahoma.
• Against the state trend: Spaulding's 2.0% change compares with a Oklahoma average of +1.3% across its 590 places.
• Density rank: Spaulding places 558th among Oklahoma's places by people per square mile.
• Density in context: Spaulding's 48 people per square mile sit against a Oklahoma median of 546.
• Location: coordinates 35.0131, -96.4404 (US Census Bureau Gazetteer).
• Nearest larger cities: Holdenville (5 mi); Allen (9 mi); Wewoka (10 mi); Calvin (11 mi); Francis (13 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Sasakwa (7 mi); Atwood (7 mi); Yeager (11 mi).
• Smaller neighbours: 27 places smaller than Spaulding sit within 50 miles.
• Within 100 miles: 267 places are larger than Spaulding.

How Spaulding compares across Oklahoma

Spaulding is the 468th-largest of 590 Census places in Oklahoma and contains about 0.0% of the state's people. For population change between 2020 and 2023, Spaulding ranks 180th of 590 in Oklahoma (about the 69th percentile). At about 48 people per square mile, Spaulding is the 558th most densely settled place in Oklahoma. By land area, its 3.2 square miles rank 183rd of 590 places in Oklahoma.

Steps to take before a Spaulding loan

Complete these steps first when you borrow in Spaulding (150 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Oklahoma regulator's licence list.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Spaulding as elsewhere in Oklahoma, the written terms — not the advertisement — are what count for its 150 residents.

Oklahoma consumer-lending rules applied in Spaulding

This table holds the Oklahoma rate and licensing rules for consumer loans made to Spaulding's 150 residents.

Borrowing reach in Spaulding

With about 48 residents per square mile, Spaulding is sparsely settled, and 60 larger Census places sit within 50 miles. A Oklahoma licence lets a lender serve Spaulding without a local office, so branch density does not change what its 150 residents are offered. The nearest larger city, Holdenville, OK about 5 miles away.

Land, water and location for Spaulding

Spaulding's land area is roughly 3.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 48 residents per square mile. For the state's biggest city, Oklahoma City, the distance is roughly 68 miles. Spaulding has 60 larger places within a 50-mile radius. By land area it ranks 183rd of 590 Oklahoma places.