Personal loans in Byng, OK

Byng ranks 167th of 590 places in Oklahoma, with a population near 1,406. The first question in Byng is not the rate on offer but whether the payment fits; about 1,406 people live here under Oklahoma lending law.

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.

A 2020-to-2023 comparison shows Byng up by about 0.7%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Byng's 1,406 residents are no exception. Which products a lender may offer to Byng's 1,406 residents follows from the Oklahoma consumer-lending framework. The nearest larger metro is Ada, OK about 7 miles away.

What the Census records for Byng

The figures below are Byng's own — Census population, land area and coordinates — followed by the Oklahoma rules.

Which Oklahoma laws govern a loan in Byng

When Oklahoma does not publish a figure, the row links to the source instead of inventing a number; Byng is bound by the same rules.

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 Byng sits in Oklahoma

Set beside Oklahoma's 590 places, Byng ranks 167th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 282nd of 590 Oklahoma places, putting it near the 52th percentile for growth. By density, at about 216 people per square mile, it ranks 459th in Oklahoma. Within 50 miles sit 68 smaller Census places, alongside the 25 that are larger.

How a Byng personal loan is priced

A Byng personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,406 residents. Two numbers drive a Byng loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Byng loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Byng

With about 216 residents per square mile, Byng is lightly settled, and 25 larger Census places sit within 50 miles. A Oklahoma licence lets a lender serve Byng without a local office, so branch density does not change what its 1,406 residents are offered. For a larger market, the closest option is Ada, OK about 7 miles away.

Byng: area, density and distance

Inside Byng's boundaries lie about 6.5 square miles of land, with no significant water area recorded. The resulting density is about 216 people per square mile. The state's population centre of gravity, Oklahoma City, is roughly 63 miles away. Counting outward 50 miles, 25 larger communities surround Byng. Within the same 50 miles lie 68 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 Byng 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 Byng is the same as anywhere in Oklahoma.
What loan size can I expect in Byng?
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 Byng?
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 Byng 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.

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