Personal loans in Lamont, OK

What the Census records for Lamont

What follows is Lamont's place in the Census record, alongside the Oklahoma rules that govern a personal loan made here.

• Population: about 288, ranked 386th of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 3.4% fewer residents than the 2020 Census counted.
• People gained or lost: about 10 fewer since the 2020 base.
• Size percentile: roughly 35% of Oklahoma places rank below Lamont.
• Density: roughly 850 residents per square mile, spread over 0.3 sq mi of land.
• Land area: Lamont covers 0.3 square miles, the 482nd-largest area among Oklahoma's 590 places.
• Share of Oklahoma: Lamont holds about 0.0% of the state's population, some 288 people.
• Nationally: Lamont is the 15,247th-largest of 19,457 Census places in the dataset.
• Growth rank: Lamont's 2020-to-2023 change ranks 562nd of 590 places in Oklahoma.
• Against the state trend: Lamont's 3.4% change compares with a Oklahoma average of +1.3% across its 590 places.
• Density in Oklahoma: Lamont ranks 155th by people per square mile.
• Density in context: Lamont's 850 people per square mile sit against a Oklahoma median of 546.
• Location: it lies at 36.6913, -97.5583 in the Census Gazetteer.
• Nearest larger cities: Billings (12 mi); Medford (13 mi); Tonkawa (14 mi); Pond Creek (14 mi); Blackwell (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities close by: Deer Creek (8 mi); Hunter (11 mi); Jefferson (13 mi), each with its own Census population profile.
• Smaller places within 50 miles: 37 of them.
• Larger places within 100 miles: 186.

How Oklahoma law applies in Lamont

When Oklahoma does not publish a figure, the row links to the source instead of inventing a number; Lamont is bound by the same rules.

What a Lamont borrower is actually offered

With roughly 288 residents, Lamont is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Lamont lender to disclose the APR and finance charge before you sign. Shortening the term on a Lamont loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Lamont

With about 850 residents per square mile, Lamont is moderately settled, and 37 larger Census places sit within 50 miles. What is available to Lamont's 288 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest larger city, Billings, OK about 12 miles away.

Steps to take before a Lamont loan

Before you apply in Lamont, a community of about 288, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the Oklahoma regulator's licence list.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Lamont and the rest of Oklahoma is not the process but the borrower's own file, among the 288 people here.

The geography behind Lamont

Lamont covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 850 people per square mile. The largest place in Oklahoma, Oklahoma City, lies about 85 miles away. A 50-mile radius around Lamont takes in 37 places that are larger. By land area it ranks 482nd of 590 Oklahoma places.