Personal loans in Fitzhugh, OK
If you are weighing a personal loan in Fitzhugh, start from the payment you can carry; its 185 residents face the same statewide rules. Verify the lender's Oklahoma licence against the regulator named below before borrowing in Fitzhugh.
About 185 people live in Fitzhugh, placing it 438th of 590 Census places in Oklahoma. Rate ceilings, licensing requirements and product limits for Fitzhugh are all set at the Oklahoma level. A 2020-to-2023 comparison shows Fitzhugh up by about 1.1%. The next larger city is Roff, OK about 5 miles away.
Fitzhugh by the numbers
What follows is Fitzhugh's place in the Census record, alongside the Oklahoma rules that govern a personal loan made here.
- Population: 185 residents; Fitzhugh is the 438th-largest of 590 places in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: Up about 1.1% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a gain of about 2 residents.
- Size percentile: Fitzhugh sits ahead of around 26% of Oklahoma places, at 185 people.
- Density: the Census land area of 7.5 sq mi holds about 25 people per square mile.
- By land area: Fitzhugh ranks 107th among Oklahoma's 590 places, at 7.5 sq mi.
- State share: roughly 0.0% of Oklahoma's residents live in Fitzhugh (185 people).
- Nationally: Fitzhugh is the 16,701st-largest of 19,457 Census places in the dataset.
- Growth rank: Fitzhugh's 2020-to-2023 change ranks 255th of 590 places in Oklahoma.
- Against the state trend: Fitzhugh's 1.1% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Fitzhugh places 568th among Oklahoma's places by people per square mile.
- Density vs Oklahoma: Fitzhugh's 25 people per square mile compare with a state median of 546.
- Location: latitude 34.6576, longitude -96.7669 (Census Gazetteer).
- Nearest larger cities: Roff (5 mi); Ada (9 mi); Stonewall (14 mi); Stratford (15 mi); Byng (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Hickory (9 mi); Bromide (23 mi); Sasakwa (24 mi).
- Within a 50-mile radius: 23 smaller Census places.
- Larger places within 100 miles: 259.
Borrowing reach in Fitzhugh
At roughly 25 people per square mile, Fitzhugh is sparsely settled; 64 larger places lie within 50 miles. A Oklahoma licence lets a lender serve Fitzhugh without a local office, so branch density does not change what its 185 residents are offered. The nearest bigger place is Roff, OK about 5 miles away.
Fitzhugh: area, density and distance
Fitzhugh covers about 7.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 185 residents, the land area yields roughly 25 people per square mile. For the state's biggest city, Oklahoma City, the distance is roughly 70 miles. Fitzhugh has 64 larger places within a 50-mile radius. The 100-mile radius contains 259 larger places.
What to do before borrowing in Fitzhugh
Complete these steps first when you borrow in Fitzhugh (185 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the Oklahoma licence with the regulator named above before committing.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
What differs between Fitzhugh and the rest of Oklahoma is not the process but the borrower's own file, among the 185 people here.
How Fitzhugh compares across Oklahoma
Among Oklahoma's 590 places, Fitzhugh sits at 438th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 255th of 590 Oklahoma places, putting it near the 57th percentile for growth. Its roughly 25 residents per square mile place it 568th among Oklahoma's places. Within 50 miles sit 23 smaller Census places, alongside the 64 that are larger.
What Oklahoma law requires in Fitzhugh
For the roughly 185 residents of Fitzhugh, the rules below are Oklahoma's own; each row carries its publisher and retrieval 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 |
Common questions
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Does comparing loans in Fitzhugh cost me credit score points?
Nearby places
- Roff, OK — population 632
- Hickory, OK — population 83
- Ada, OK — population 16,611
- Byng, OK — population 1,406
- Stratford, OK — population 1,411
- Stonewall, OK — population 419
- Mill Creek, OK — population 289
- Sulphur, OK — population 4,880