Personal loans in Knowles, OK
Over 2020 to 2023, Knowles recorded almost no population movement. With an estimated 5 residents, Knowles is the 588th-largest of 590 places in Oklahoma.
Knowles counts about 5 people, and what is genuinely local about borrowing here is limited — Oklahoma law does the governing. Verify the lender's Oklahoma licence against the regulator named below before borrowing in Knowles. A lender that serves Knowles operates under Oklahoma lending statutes and a Oklahoma supervisor. The next larger city is Gate, OK about 8 miles away.
Knowles: the sourced local profile
Read the local figures below as context; read the sourced Oklahoma table as the rulebook a lender here must follow.
- Population: 5 residents; Knowles is the 588th-largest of 590 places in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: Little measurable movement between 2020 and 2023.
- Size percentile: about 0% of Oklahoma's Census places are smaller than Knowles.
- Population density: about 25 people per square mile (Census land area 0.2 sq mi).
- Land area: Knowles covers 0.2 square miles, the 557th-largest area among Oklahoma's 590 places.
- Share of state population: Knowles's 5 residents are about 0.0% of Oklahoma.
- National standing: Knowles ranks 19,446th of 19,457 US places.
- Growth rank: Knowles ranks 378th among Oklahoma's 590 places for the 2020-to-2023 change.
- Versus Oklahoma: the state average change is +1.3%, while Knowles moved 0.0%.
- Density in Oklahoma: Knowles ranks 567th by people per square mile.
- Density vs Oklahoma: Knowles's 25 people per square mile compare with a state median of 546.
- Location: 36.8729 / -100.1924, per the US Census Bureau Gazetteer.
- Nearest larger cities: Gate (8 mi); Rosston (15 mi); Englewood (16 mi); Beaver (19 mi); Forgan (19 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller neighbours: 0 places smaller than Knowles sit within 50 miles.
- Within 100 miles: 109 places are larger than Knowles.
Before you apply in Knowles
Before you apply in Knowles, a community of about 5, work through these steps:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- 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.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
In Knowles as elsewhere in Oklahoma, the written terms — not the advertisement — are what count for its 5 residents.
Where Knowles sits
Inside Knowles's boundaries lie about 0.2 square miles of land, with no significant water area recorded. Spread across it are roughly 25 residents per square mile. For the state's biggest city, Oklahoma City, the distance is roughly 178 miles. Knowles has 25 larger places within a 50-mile radius. The 100-mile radius contains 109 larger places.
Which Oklahoma laws govern a loan in Knowles
The rows below set out what a licensed lender must follow in Oklahoma, and so for Knowles's roughly 5 residents.
| 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 |
| 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 |
| 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 |
How Knowles compares across Oklahoma
Knowles is the 588th-largest of 590 Census places in Oklahoma and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 378th of 590 Oklahoma places, putting it near the 36th percentile for growth. At about 25 people per square mile, Knowles is the 567th most densely settled place in Oklahoma. By land area, its 0.2 square miles rank 557th of 590 places in Oklahoma.
How lenders reach Knowles
At roughly 25 people per square mile, Knowles is sparsely settled; 25 larger places lie within 50 miles. Whether Knowles has a local branch or not, a Oklahoma-licensed lender can serve its 5 people online on the same terms. The nearest larger city, Gate, OK about 8 miles away.
Common questions
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Nearby places
- Gate, OK — population 60
- Englewood, KS — population 51
- Rosston, OK — population 50
- Beaver, OK — population 1,262
- Laverne, OK — population 1,189
- Forgan, OK — population 451
- Meade, KS — population 1,442
- Follett, TX — population 359