Personal loans in Kremlin, OK
By population, Kremlin sits at 414th in Oklahoma, with an estimated 246 residents. The first question in Kremlin is not the rate on offer but whether the payment fits; about 246 people live here under Oklahoma lending law.
The trend for Kremlin between 2020 and 2023 is downward by roughly 0.4%. Judge Kremlin offers on total cost, not on how quickly the money arrives. Lenders active in Kremlin report to a Oklahoma supervisor, identified in the sourced rows below. The closest larger city is North Enid, OK about 7 miles away.
Kremlin by the numbers
Kremlin is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 246 people, a figure that places Kremlin 414th among the 590 Census places in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 0.4% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: with 246 residents, Kremlin is larger than about 30% of Oklahoma's Census places.
- Population density: about 969 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Kremlin ranks 523rd among Oklahoma's 590 places, at 0.3 sq mi.
- Within Oklahoma: about 0.0% of the state's population lives in Kremlin.
- Nationally: Kremlin is the 15,815th-largest of 19,457 Census places in the dataset.
- Growth rank: Kremlin's 2020-to-2023 change ranks 405th of 590 places in Oklahoma.
- Against the state trend: Kremlin's 0.4% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Kremlin is the 116th most densely settled place in Oklahoma.
- Density vs Oklahoma: Kremlin's 969 people per square mile compare with a state median of 546.
- Location: mapped by the US Census Bureau at 36.5466, -97.8323.
- Nearest larger cities: North Enid (7 mi); Pond Creek (9 mi); Enid (10 mi); Garber (16 mi); Goltry (18 mi). Larger metros often have more branches, but online lenders reach Kremlin on the same terms.
- Smaller towns nearby: Breckenridge (9 mi); Hillsdale (9 mi); Hunter (10 mi).
- Smaller neighbours: 35 places smaller than Kremlin sit within 50 miles.
- Larger places within 100 miles: 185.
The Oklahoma lending rules that reach Kremlin
Read the table as a lender's compliance picture for Kremlin: the rule, the sourced figure, the publisher and the 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 |
Kremlin against the rest of Oklahoma
Against Oklahoma's other places, Kremlin accounts for about 0.0% of the state's population and ranks 414th of 590 by size. Its 2020-to-2023 change ranks 405th of 590 Oklahoma places, putting it near the 31th percentile for growth. At about 969 people per square mile, Kremlin is the 116th most densely settled place in Oklahoma. Within 50 miles sit 35 smaller Census places, alongside the 37 that are larger.
Inside a Kremlin personal loan
Most loans made to Kremlin's 246 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Kremlin's 246 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Kremlin loan is knowable in advance — unlike a revolving card balance.
Land, water and location for Kremlin
Kremlin's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 969 residents per square mile. Oklahoma City, the largest place in Oklahoma, is about 77 miles from Kremlin. Within 50 miles of Kremlin there are 37 larger Census places. By land area it ranks 523rd of 590 Oklahoma places.
The Kremlin borrowing checklist
Before you hand your details to a lender in Kremlin, where the population is near 246:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Look the lender up in the Oklahoma regulator's licence records before you sign.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
What differs between Kremlin and the rest of Oklahoma is not the process but the borrower's own file, among the 246 people here.
Common questions
What are my options in Kremlin if my credit is poor?
What loan size can I expect in Kremlin?
Do I have to pledge anything to borrow in Kremlin?
Does comparing loans in Kremlin cost me credit score points?
Nearby places
- North Enid, OK — population 995
- Pond Creek, OK — population 882
- Breckenridge, OK — population 202
- Enid, OK — population 50,577
- Hillsdale, OK — population 71
- Hunter, OK — population 140
- Jefferson, OK — population 11
- Carrier, OK — population 84