Personal loans in Wilburton, OK
In Wilburton, one of 590 Census places in Oklahoma, the figure to compare across lenders is the APR, not the advertised rate.
For the 2,293 people in Wilburton, Oklahoma runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Wilburton is home to roughly 2,293 people and stands 132nd by size out of 590 Census places in Oklahoma. Price two or three terms so you can see which payment is truly affordable in Wilburton. From the 2020 Census base to the 2023 estimate, the population rose by about 0.7%. The next larger city is Stigler, OK about 26 miles away.
What the Census records for Wilburton
The figures below are Wilburton's own — Census population, land area and coordinates — followed by the Oklahoma rules.
- Population: about 2,293 people live here, which puts Wilburton 132nd of 590 Census places in Oklahoma (Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.7%.
- People gained or lost: about 17 more since the 2020 base.
- Size percentile: about 78% of Oklahoma communities are smaller than Wilburton (2,293 residents).
- Population density: 738 people per square mile on 3.1 square miles of land.
- Land area: Wilburton covers 3.1 square miles, the 186th-largest area among Oklahoma's 590 places.
- Water: Wilburton holds about 0.02 square miles, the 162nd-largest water area in Oklahoma.
- State population share: Wilburton accounts for about 0.1% of everyone in Oklahoma.
- National rank: Wilburton sits 7,127th by population among the 19,457 places in this dataset.
- Growth rank: Wilburton ranks 280th among Oklahoma's 590 places for the 2020-to-2023 change.
- Versus Oklahoma: the state average change is +1.3%, while Wilburton moved 0.7%.
- Density rank: Wilburton places 197th among Oklahoma's places by people per square mile.
- Against the state median: Wilburton runs about 738 residents per square mile, where the Oklahoma median is 546.
- Location: it lies at 34.9184, -95.3040 in the Census Gazetteer.
- Nearest larger cities: Stigler (26 mi); McAlester (27 mi); Eufaula (30 mi); Heavener (39 mi); Poteau (41 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Red Oak (13 mi); Kinta (14 mi); Quinton (15 mi).
- Smaller neighbours: 51 places smaller than Wilburton sit within 50 miles.
- Within 100 miles: 69 places are larger than Wilburton.
Wilburton on the map
Wilburton covers about 3.1 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 738 residents per square mile. The largest place in Oklahoma, Oklahoma City, lies about 130 miles away. Wilburton has 7 larger places within a 50-mile radius. The 100-mile radius contains 69 larger places.
What a Wilburton borrower is actually offered
Wilburton is a small community of about 2,293 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Wilburton loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Wilburton decides the split between a comfortable payment and the total interest you pay.
Lender access in Wilburton
At roughly 738 people per square mile, Wilburton is moderately settled; 7 larger places lie within 50 miles. What is available to Wilburton's 2,293 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Stigler, OK about 26 miles away.
The Oklahoma lending rules that reach Wilburton
Read the table as a lender's compliance picture for Wilburton: 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 |
| 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 |
Wilburton in state context
Within Oklahoma, Wilburton holds roughly 0.1% of all residents, the 132nd-largest share among 590 places. For population change between 2020 and 2023, Wilburton ranks 280th of 590 in Oklahoma (about the 53th percentile). By density, at about 738 people per square mile, it ranks 197th in Oklahoma. Within 50 miles sit 51 smaller Census places, alongside the 7 that are larger.
Common questions
What are my options in Wilburton if my credit is poor?
What loan size can I expect in Wilburton?
Do I have to pledge anything to borrow in Wilburton?
Does comparing loans in Wilburton cost me credit score points?
Nearby places
- Kinta, OK — population 286
- Quinton, OK — population 849
- Red Oak, OK — population 530
- Hartshorne, OK — population 1,896
- Haileyville, OK — population 702
- Talihina, OK — population 931
- Le Flore, OK — population 156
- Albion, OK — population 60