Personal loans in Devol, OK

Devol, Oklahoma — home to about 91 people — is a small community, so the terms you are offered follow Oklahoma law rather than any local rule. With an estimated 91 residents, Devol is the 520th-largest of 590 places in Oklahoma.

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.

The closest larger place is Grandfield, OK about 6 miles away. Population in Devol dropped about 2.2% over the three years from 2020 to 2023. State law, not city hall, decides what a lender may do to Devol's roughly 91 residents, and a state regulator supervises it. Pull your credit reports and line up at least three offers before you apply from Devol.

Devol: the sourced local profile

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

What Oklahoma law requires in Devol

Read the table as a lender's compliance picture for Devol: the rule, the sourced figure, the publisher and the date.

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
Payday lending statusProhibited since August 1, 2020: no new deferred deposit (payday) loans may be made; all Deferred Deposit Lending Act licenses terminated.
Source says: "Beginning on and after August 1, 2020, no new deferred deposit loan may be entered into or transacted by a licensee or other person" and "All Deferred Deposit Lending Act licenses shall be terminated and be deemed to have expired on August 1, 2020" (59 O.S. 3101.1).
Oklahoma State Courts Network (Oklahoma Statutes, OSCN)
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

Getting a loan in Devol

Devol is lightly settled, with about 183 people per square mile and 46 larger places within 50 miles. Distance to a branch rarely matters for Devol's 91 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Grandfield, OK about 6 miles away.

Before you apply in Devol

Complete these steps first when you borrow in Devol (91 residents):

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Oklahoma regulator's licence records before you sign.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Devol-specific: the same Oklahoma licensing and disclosure rules reach all 91 residents.

Devol's place among Oklahoma's 590 places

Within Oklahoma, Devol holds roughly 0.0% of all residents, the 520th-largest share among 590 places. On the 2020-to-2023 trend, Devol stands 522nd among Oklahoma's 590 places — roughly the 12th percentile. At about 183 people per square mile, Devol is the 473rd most densely settled place in Oklahoma. By land area, its 0.5 square miles rank 430th of 590 places in Oklahoma.

What a Devol borrower is actually offered

With roughly 91 residents, Devol is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Devol lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Devol loan is knowable in advance — unlike a revolving card balance.

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 Devol 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 Devol is the same as anywhere in Oklahoma.
What loan size can I expect in Devol?
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 Devol?
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 Devol 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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