Personal loans in Tishomingo, OK
A single loan can carry different costs on either side of a state line, and Tishomingo sits on the Oklahoma side of that line. Roughly 3,062 residents live in Tishomingo, the 109th-largest community in Oklahoma.
If you are weighing a personal loan in Tishomingo, start from the payment you can carry; its 3,062 residents face the same statewide rules. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. Judge Tishomingo offers on total cost, not on how quickly the money arrives. The closest larger city is Madill, OK about 12 miles away.
Where Tishomingo stands
Read the local figures below as context; read the sourced Oklahoma table as the rulebook a lender here must follow.
- Population: about 3,062 people live here, which puts Tishomingo 109th of 590 Census places in Oklahoma (Vintage 2023).
- Population trend: A drop of about 1.5% from 2020 to 2023.
- Absolute change: 46 residents lost between 2020 and 2023.
- Size percentile: about 82% of Oklahoma communities are smaller than Tishomingo (3,062 residents).
- Population density: 580 people per square mile on 5.3 square miles of land.
- By land area: Tishomingo ranks 138th among Oklahoma's 590 places, at 5.3 sq mi.
- Water: Tishomingo holds about 0.09 square miles, the 85th-largest water area in Oklahoma.
- Within Oklahoma: about 0.1% of the state's population lives in Tishomingo.
- National rank: Tishomingo sits 6,217th by population among the 19,457 places in this dataset.
- Growth rank: Tishomingo ranks 473rd among Oklahoma's 590 places for the 2020-to-2023 change.
- Versus Oklahoma: the state average change is +1.3%, while Tishomingo moved 1.5%.
- Density in Oklahoma: Tishomingo ranks 280th by people per square mile.
- Density in context: Tishomingo's 580 people per square mile sit against a Oklahoma median of 546.
- Location: latitude 34.2390, longitude -96.6824 (Census Gazetteer).
- Nearest larger cities: Madill (12 mi); Durant (24 mi); Sulphur (25 mi); Ardmore (26 mi); Lone Grove (33 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Ravia (4 mi); Milburn (7 mi); Oakland (12 mi).
- Smaller neighbours: 68 places smaller than Tishomingo sit within 50 miles.
- Within 100 miles: 118 places are larger than Tishomingo.
What Oklahoma law requires in Tishomingo
Below are the Oklahoma rules that apply to a loan made in Tishomingo, 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 / installment lender licensing | Oklahoma 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 |
How Tishomingo compares across Oklahoma
Against Oklahoma's other places, Tishomingo accounts for about 0.1% of the state's population and ranks 109th of 590 by size. Its 2020-to-2023 change ranks 473rd of 590 Oklahoma places, putting it near the 20th percentile for growth. At about 580 people per square mile, Tishomingo is the 280th most densely settled place in Oklahoma. Between 2020 and 2023 the count changed by roughly 46 residents.
Before you apply in Tishomingo
For Tishomingo's roughly 3,062 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Oklahoma licence by checking the regulator named above.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
In Tishomingo as elsewhere in Oklahoma, the written terms — not the advertisement — are what count for its 3,062 residents.
Inside a Tishomingo personal loan
A Tishomingo personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 3,062 residents. Two numbers drive a Tishomingo loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Tishomingo loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Land, water and location for Tishomingo
Inside Tishomingo's boundaries lie roughly 5.3 square miles of land and 0.09 square miles of water. With 3,062 residents, the land area yields roughly 580 people per square mile. The largest place in Oklahoma, Oklahoma City, lies about 97 miles away. Counting outward 50 miles, 11 larger communities surround Tishomingo. By land area it ranks 138th of 590 Oklahoma places.
Common questions
What are my options in Tishomingo if my credit is poor?
What loan size can I expect in Tishomingo?
Do I have to pledge anything to borrow in Tishomingo?
Does comparing loans in Tishomingo cost me credit score points?
Nearby places
- Ravia, OK — population 461
- Milburn, OK — population 252
- Madill, OK — population 4,028
- Oakland, OK — population 892
- Mannsville, OK — population 730
- Mill Creek, OK — population 289
- Kingston, OK — population 1,475
- Bromide, OK — population 122