Personal loans in Cheyenne, OK
Rate ceilings, licensing requirements and product limits for Cheyenne are all set at the Oklahoma level. Cheyenne is a small community of about 732 residents, and a personal loan taken out here is governed by Oklahoma statute.
The Census estimates 732 residents in Cheyenne, which ranks it 252nd of 590 places in Oklahoma. Cheyenne lost roughly 4.7% of its population across the 2020-to-2023 comparison. Verify the lender's Oklahoma licence against the regulator named below before borrowing in Cheyenne. The nearest larger metro is Elk City, OK about 21 miles away.
Cheyenne: population, trend and location
Here is the sourced Census picture for Cheyenne, plus the Oklahoma lending rules that apply to a loan taken out here.
- Population: an estimated 732 residents, 252nd of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 4.7% from the 2020 Census base to the 2023 estimate.
- Absolute change: 36 residents lost between 2020 and 2023.
- Size percentile: roughly 57% of Oklahoma's places have fewer residents than Cheyenne's 732.
- Density: roughly 741 residents per square mile, spread over 1.0 sq mi of land.
- Land area rank: Cheyenne's 1.0 square miles rank 328th of 590 places in Oklahoma.
- State share: roughly 0.0% of Oklahoma's residents live in Cheyenne (732 people).
- National rank: Cheyenne is the 11,586th most populous of the 19,457 Census places covered here.
- Growth rank: Cheyenne's 2020-to-2023 change ranks 584th of 590 places in Oklahoma.
- Against the state trend: Cheyenne's 4.7% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Cheyenne places 195th among Oklahoma's places by people per square mile.
- Density vs Oklahoma: Cheyenne's 741 people per square mile compare with a state median of 546.
- Location: latitude 35.6109, longitude -99.6764 (Census Gazetteer).
- Nearest larger cities: Elk City (21 mi); Sayre (22 mi); Erick (29 mi); Burns Flat (33 mi); Wheeler (36 mi). Online lenders reach Cheyenne no matter how far the nearest branch is.
- Nearest smaller towns: Strong City (6 mi); Reydon (14 mi); Hammon (17 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 26 of them.
- Within 100 miles: 59 places are larger than Cheyenne.
Where Cheyenne sits in Oklahoma
Within Oklahoma, Cheyenne holds roughly 0.0% of all residents, the 252nd-largest share among 590 places. Its 2020-to-2023 change ranks 584th of 590 Oklahoma places, putting it near the 1th percentile for growth. By density, at about 741 people per square mile, it ranks 195th in Oklahoma. The population moved by about 36 people between 2020 and 2023, a 4.7% shift.
The geography behind Cheyenne
Cheyenne covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 741 residents per square mile. The largest place in Oklahoma, Oklahoma City, lies about 122 miles away. Cheyenne has 12 larger places within a 50-mile radius. Within the same 50 miles lie 26 smaller Census places.
Getting a loan in Cheyenne
Cheyenne is moderately settled, with about 741 people per square mile and 12 larger places within 50 miles. Lenders licensed in Oklahoma reach Cheyenne's 732 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Elk City, OK about 21 miles away.
The anatomy of a Cheyenne personal loan
With roughly 732 residents, Cheyenne is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Cheyenne's rank of 252nd in Oklahoma: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Cheyenne loan but raises total interest, so the smallest payment is not the cheapest loan.
Oklahoma rules behind a Cheyenne personal loan
Every row below records a Oklahoma rule, its publisher and its retrieval date — the same rules a Cheyenne lender must follow.
| 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 |
Common questions
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Nearby places
- Strong City, OK — population 30
- Reydon, OK — population 134
- Hammon, OK — population 459
- Sweetwater, OK — population 102
- Sayre, OK — population 4,793
- Elk City, OK — population 11,279
- Leedey, OK — population 399
- Carter, OK — population 178