Personal loans in Kendrick, OK
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Kendrick's 92 residents.
A personal loan in Kendrick is priced from your credit file and income, not from the fact that the city holds 92 people. With an estimated 92 residents, Kendrick is the 519th-largest of 590 places in Oklahoma. Population in Kendrick climbed about 2.2% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Kendrick loan. The nearest larger city is Davenport, OK about 5 miles away.
Borrowing in Kendrick: the local picture
Here is the sourced Census picture for Kendrick, plus the Oklahoma lending rules that apply to a loan taken out here.
- Population: a Census-estimated 92, 519th among Oklahoma's 590 places (Vintage 2023).
- Population trend: Higher by roughly 2.2% since the 2020 count.
- Net change: roughly 2 more people than the 2020 Census counted.
- Size percentile: Kendrick sits ahead of around 12% of Oklahoma places, at 92 people.
- Population density: 626 people per square mile on 0.1 square miles of land.
- Land area rank: Kendrick's 0.1 square miles rank 569th of 590 places in Oklahoma.
- State share: roughly 0.0% of Oklahoma's residents live in Kendrick (92 people).
- National rank: Kendrick is the 18,260th most populous of the 19,457 Census places covered here.
- Growth rank: Kendrick's 2020-to-2023 change ranks 172nd of 590 places in Oklahoma.
- Against the state trend: Kendrick's 2.2% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Kendrick places 262nd among Oklahoma's places by people per square mile.
- Density vs Oklahoma: Kendrick's 626 people per square mile compare with a state median of 546.
- Location: coordinates 35.7853, -96.7755 (US Census Bureau Gazetteer).
- Nearest larger cities: Davenport (5 mi); Chandler (6 mi); Stroud (7 mi); Agra (9 mi); Sparks (12 mi). Larger metros often have more branches, but online lenders reach Kendrick on the same terms.
- Smaller communities close by: Fallis (19 mi); Meridian (27 mi); IXL (28 mi), each with its own Census population profile.
- Smaller neighbours: 16 places smaller than Kendrick sit within 50 miles.
- Within 100 miles: 307 places are larger than Kendrick.
What Oklahoma law requires in Kendrick
When Oklahoma does not publish a figure, the row links to the source instead of inventing a number; Kendrick 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 |
| Payday lending status | Prohibited 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 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 |
Before you apply in Kendrick
Before you apply in Kendrick, a community of about 92, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Check the Oklahoma regulator's records to confirm the lender is licensed here.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
In Kendrick as elsewhere in Oklahoma, the written terms — not the advertisement — are what count for its 92 residents.
Kendrick against the rest of Oklahoma
Against Oklahoma's other places, Kendrick accounts for about 0.0% of the state's population and ranks 519th of 590 by size. On the 2020-to-2023 trend, Kendrick stands 172nd among Oklahoma's 590 places — roughly the 71th percentile. At about 626 people per square mile, Kendrick is the 262nd most densely settled place in Oklahoma. Within 50 miles sit 16 smaller Census places, alongside the 91 that are larger.
Kendrick: area, density and distance
Inside Kendrick's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 626 residents per square mile. The state's population centre of gravity, Oklahoma City, is roughly 47 miles away. Kendrick has 91 larger places within a 50-mile radius. By land area it ranks 569th of 590 Oklahoma places.
What shapes a Kendrick personal loan
In Kendrick, a small community of about 92, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Kendrick lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Kendrick loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Davenport, OK — population 840
- Chandler, OK — population 2,924
- Stroud, OK — population 2,829
- Agra, OK — population 323
- Sparks, OK — population 123
- Cushing, OK — population 8,391
- Tryon, OK — population 389
- Carney, OK — population 565