Personal loans in Tipton, OK
Personal loans in Tipton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 846 population.
Work out your debt-to-income ratio first; lenders weigh it heavily, and Tipton's 846 residents are no exception. The Census estimates 846 residents in Tipton, which ranks it 232nd of 590 places in Oklahoma. Which products a lender may offer to Tipton's 846 residents follows from the Oklahoma consumer-lending framework. Tipton lost roughly 1.7% of its population across the 2020-to-2023 comparison. The nearest larger metro is Frederick, OK about 13 miles away.
Where Tipton stands
Read the local figures below as context; read the sourced Oklahoma table as the rulebook a lender here must follow.
- Population: a Census-estimated 846, 232nd among Oklahoma's 590 places (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 1.7%.
- People gained or lost: about 15 fewer since the 2020 base.
- Size percentile: with 846 residents, Tipton is larger than about 61% of Oklahoma's Census places.
- Density: roughly 722 residents per square mile, spread over 1.2 sq mi of land.
- Land area rank: Tipton's 1.2 square miles rank 303rd of 590 places in Oklahoma.
- Share of Oklahoma: Tipton holds about 0.0% of the state's population, some 846 people.
- Nationally: Tipton is the 10,947th-largest of 19,457 Census places in the dataset.
- Growth rank: Tipton's 2020-to-2023 change ranks 491st of 590 places in Oklahoma.
- Against the state trend: Tipton's 1.7% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density in Oklahoma: Tipton ranks 207th by people per square mile.
- Density vs Oklahoma: Tipton's 722 people per square mile compare with a state median of 546.
- Location: latitude 34.4994, longitude -99.1363 (Census Gazetteer).
- Nearest larger cities: Frederick (13 mi); Altus (15 mi); Snyder (15 mi); Vernon (26 mi); Cache (31 mi). Lenders licensed in the state serve Tipton whether or not they keep a local branch.
- Smaller towns nearby: Headrick (9 mi); Manitou (9 mi); Elmer (12 mi).
- Smaller places within 50 miles: 32 of them.
- Within 100 miles: 68 places are larger than Tipton.
Borrowing reach in Tipton
Tipton is a moderately settled community of about 846 people, with 17 larger places inside a 50-mile radius. A Oklahoma licence lets a lender serve Tipton without a local office, so branch density does not change what its 846 residents are offered. The nearest bigger place is Frederick, OK about 13 miles away.
Oklahoma consumer-lending rules applied in Tipton
For the roughly 846 residents of Tipton, the rules below are Oklahoma's own; each row carries its publisher and retrieval 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 |
| 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 |
The anatomy of a Tipton personal loan
A Tipton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 846 residents. Federal Truth in Lending rules require a Tipton lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Tipton loan is knowable in advance — unlike a revolving card balance.
How Tipton compares across Oklahoma
Set beside Oklahoma's 590 places, Tipton ranks 232nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Tipton stands 491st among Oklahoma's 590 places — roughly the 17th percentile. Its roughly 722 residents per square mile place it 207th among Oklahoma's places. Between 2020 and 2023 the count changed by roughly 15 residents.
Land, water and location for Tipton
Tipton covers about 1.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 846 residents, the land area yields roughly 722 people per square mile. The largest place in Oklahoma, Oklahoma City, lies about 114 miles away. Within 50 miles of Tipton there are 17 larger Census places. The 100-mile radius contains 68 larger places.
Common questions
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Nearby places
- Headrick, OK — population 77
- Manitou, OK — population 170
- Frederick, OK — population 3,419
- Elmer, OK — population 63
- Friendship, OK — population 23
- Altus, OK — population 18,635
- Snyder, OK — population 1,250
- Davidson, OK — population 245