Personal loans in Hydro, OK
The 2020 count to the 2023 estimate shows about 2.6% decline in Hydro. A personal loan in Hydro is priced from your credit file and income, not from the fact that the city holds 903 people.
By population, Hydro sits at 223rd in Oklahoma, with an estimated 903 residents. Borrowers who want a bigger city can look to Weatherford, OK about 6 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Hydro's 903 residents. Judge Hydro offers on total cost, not on how quickly the money arrives.
Hydro: population, trend and location
The figures below are Hydro's own — Census population, land area and coordinates — followed by the Oklahoma rules.
- Population: 903 people, a figure that places Hydro 223rd among the 590 Census places in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 2.6%.
- Absolute change: 24 residents lost between 2020 and 2023.
- Size percentile: Hydro's 903 people outrank roughly 62% of the places in Oklahoma.
- Land and density: 0.7 square miles of land carry roughly 1,296 residents per square mile.
- Land area rank: Hydro's 0.7 square miles rank 381st of 590 places in Oklahoma.
- Within Oklahoma: about 0.0% of the state's population lives in Hydro.
- National rank: Hydro sits 10,677th by population among the 19,457 places in this dataset.
- Growth rank: Hydro ranks 538th among Oklahoma's 590 places for the 2020-to-2023 change.
- Against the state trend: Hydro's 2.6% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Hydro places 49th among Oklahoma's places by people per square mile.
- Density vs Oklahoma: Hydro's 1,296 people per square mile compare with a state median of 546.
- Location: the Census Gazetteer records it at 35.5481, -98.5801.
- Nearest larger cities: Weatherford (6 mi); Hinton (13 mi); Geary (16 mi); Thomas (16 mi); Clinton (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Bridgeport (11 mi); Colony (15 mi); Corn (16 mi).
- Within a 50-mile radius: 38 smaller Census places.
- Within 100 miles: 100 places are larger than Hydro.
How lenders reach Hydro
At roughly 1,296 people per square mile, Hydro is moderately settled; 23 larger places lie within 50 miles. What is available to Hydro's 903 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Weatherford, OK about 6 miles away.
What Oklahoma law requires in Hydro
When Oklahoma does not publish a figure, the row links to the source instead of inventing a number; Hydro is bound by the same rules.
| 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 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 |
| Maximum legal interest rate (usury cap) | 6% per annum legal rate in the absence of a contract; parties may agree to any rate authorized by law. Source says: "The legal rate of interest shall be six percent (6%) in the absence of any contract as to the rate of interest" (15 O.S. 266). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
Land, water and location for Hydro
The Census Gazetteer records about 0.7 square miles of land within Hydro, with no significant water area listed. The resulting density is about 1,296 people per square mile. For the state's biggest city, Oklahoma City, the distance is roughly 60 miles. Counting outward 50 miles, 23 larger communities surround Hydro. The 100-mile radius contains 100 larger places.
Before you apply in Hydro
Before you apply in Hydro, a community of about 903, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Oklahoma licence by checking the regulator named above.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
None of these steps is Hydro-specific: the same Oklahoma licensing and disclosure rules reach all 903 residents.
How Hydro compares across Oklahoma
Hydro is the 223rd-largest of 590 Census places in Oklahoma and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Hydro stands 538th among Oklahoma's 590 places — roughly the 9th percentile. By density, at about 1,296 people per square mile, it ranks 49th in Oklahoma. The population moved by about 24 people between 2020 and 2023, a 2.6% shift.
Common questions
What are my options in Hydro if my credit is poor?
What loan size can I expect in Hydro?
Do I have to pledge anything to borrow in Hydro?
Does comparing loans in Hydro cost me credit score points?
Nearby places
- Weatherford, OK — population 12,023
- Bridgeport, OK — population 97
- Colony, OK — population 110
- Hinton, OK — population 4,907
- Eakly, OK — population 284
- Thomas, OK — population 1,137
- Corn, OK — population 583
- Greenfield, OK — population 116