Personal loans in Moore, OK
Two households in Moore with comparable incomes can still be offered different rates; the city's 63,470 residents are not the reason. With 63,470 residents, Moore outranks about 99% of the communities in Oklahoma.
The nearest larger city is Norman, OK about 9 miles away. The trend for Moore between 2020 and 2023 is upward by roughly 1.1%. State law, not city hall, decides what a lender may do to Moore's roughly 63,470 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Moore loan.
What the Census records for Moore
Here is the sourced Census picture for Moore, plus the Oklahoma lending rules that apply to a loan taken out here.
- Population: a Census-estimated 63,470, 7th among Oklahoma's 590 places (Vintage 2023).
- Population trend: Growth of about 1.1% across the 2020-to-2023 comparison.
- People gained or lost: about 662 more since the 2020 base.
- Size percentile: with 63,470 residents, Moore is larger than about 99% of Oklahoma's Census places.
- Population density: about 2,873 people per square mile across 22.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Moore's 22.1 square miles rank 38th of 590 places in Oklahoma.
- Water: Moore holds about 0.25 square miles, the 48th-largest water area in Oklahoma.
- State population share: Moore accounts for about 2.0% of everyone in Oklahoma.
- National rank: Moore is the 600th most populous of the 19,457 Census places covered here.
- Growth in Oklahoma: Moore stands 262nd by percentage change from 2020 to 2023, among 590 places.
- Versus Oklahoma: the state average change is +1.3%, while Moore moved 1.1%.
- Density in Oklahoma: Moore ranks 6th by people per square mile.
- Density in context: Moore's 2,873 people per square mile sit against a Oklahoma median of 546.
- Location: 35.3285 / -97.4748, per the US Census Bureau Gazetteer.
- Nearest larger cities: Norman (9 mi); Oklahoma City (10 mi); Edmond (24 mi); Lawton (73 mi); Tulsa (104 mi). Lenders licensed in the state serve Moore whether or not they keep a local branch.
- Smaller communities within reach: Valley Brook (5 mi); Del City (8 mi); Smith Village (9 mi).
- Within a 50-mile radius: 98 smaller Census places.
- At 100 miles: 4 larger Census places fall inside that radius.
Inside a Moore personal loan
Moore is a mid-sized city of about 63,470 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Moore lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Moore loan but raises total interest, so the smallest payment is not the cheapest loan.
Moore in state context
Moore is the 7th-largest of 590 Census places in Oklahoma and contains about 2.0% of the state's people. For population change between 2020 and 2023, Moore ranks 262nd of 590 in Oklahoma (about the 56th percentile). By density, at about 2,873 people per square mile, it ranks 6th in Oklahoma. Between 2020 and 2023 the count changed by roughly 662 residents.
The geography behind Moore
Inside Moore's boundaries lie roughly 22.1 square miles of land and 0.25 square miles of water. With 63,470 residents, the land area yields roughly 2,873 people per square mile. For the state's biggest city, Oklahoma City, the distance is roughly 10 miles. A 50-mile radius around Moore takes in 3 places that are larger. Within the same 50 miles lie 98 smaller Census places.
How Oklahoma law applies in Moore
Every row below records a Oklahoma rule, its publisher and its retrieval date — the same rules a Moore lender must follow.
| 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 |
Lender access in Moore
With about 2,873 residents per square mile, Moore is fairly dense, and 3 larger Census places sit within 50 miles. Lenders licensed in Oklahoma reach Moore's 63,470 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Norman, OK about 9 miles away.
Common questions
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Does comparing loans in Moore cost me credit score points?
Nearby places
- Valley Brook, OK — population 647
- Smith Village, OK — population 50
- Del City, OK — population 21,312
- Oklahoma City, OK — population 702,767
- Newcastle, OK — population 14,001
- Norman, OK — population 130,046
- Midwest City, OK — population 58,086
- Forest Park, OK — population 1,046