Personal loans in Stidham, OK

A personal loan in Stidham is priced from your credit file and income, not from the fact that the city holds 19 people. Over 2020 to 2023, Stidham recorded almost no population movement.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Stidham ranks 582nd of 590 places in Oklahoma, with a population near 19. Price two or three terms so you can see which payment is truly affordable in Stidham. Lenders active in Stidham report to a Oklahoma supervisor, identified in the sourced rows below. The closest larger city is Eufaula, OK about 8 miles away.

Stidham by the numbers

Two layers matter for a Stidham borrower: the local population picture and Oklahoma's consumer-lending statutes.

Inside a Stidham personal loan

A Stidham personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 19 residents. Because pricing is borrower-level, two people in Stidham can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Stidham loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Stidham

At roughly 594 people per square mile, Stidham is moderately settled; 91 larger places lie within 50 miles. What is available to Stidham's 19 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Eufaula, OK about 8 miles away.

Where Stidham sits in Oklahoma

Against Oklahoma's other places, Stidham accounts for about 0.0% of the state's population and ranks 582nd of 590 by size. For population change between 2020 and 2023, Stidham ranks 373rd of 590 in Oklahoma (about the 37th percentile). Its roughly 594 residents per square mile place it 274th among Oklahoma's places. Between 2020 and 2023 the count changed by roughly 0 residents.

Which Oklahoma laws govern a loan in Stidham

Read the table as a lender's compliance picture for Stidham: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorOklahoma 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 / installment lender licensingOklahoma 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
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

Where Stidham sits

Inside Stidham's boundaries lie about 0.0 square miles of land, with no significant water area recorded. With 19 residents, the land area yields roughly 594 people per square mile. The state's population centre of gravity, Oklahoma City, is roughly 102 miles away. A 50-mile radius around Stidham takes in 91 places that are larger. Within the same 50 miles lie 0 smaller Census places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Stidham 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 Stidham is the same as anywhere in Oklahoma.
What loan size can I expect in Stidham?
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 Stidham?
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 Stidham 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

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