Personal loans in Muldrow, OK
In Muldrow, one of 590 Census places in Oklahoma, the figure to compare across lenders is the APR, not the advertised rate. If debt is already a strain, a nonprofit credit counsellor can help Muldrow residents before they take on more.
Muldrow is home to roughly 3,341 people and stands 98th by size out of 590 Census places in Oklahoma. For the 3,341 people in Muldrow, Oklahoma runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Population in Muldrow climbed about 2.2% over the three years from 2020 to 2023. The closest larger place is Roland, OK about 5 miles away.
The Muldrow data picture
What follows is Muldrow's place in the Census record, alongside the Oklahoma rules that govern a personal loan made here.
- Population: a Census-estimated 3,341, 98th among Oklahoma's 590 places (Vintage 2023).
- Population trend: Up about 2.2% from the 2020 Census base to the 2023 estimate.
- Absolute change: 72 residents added between 2020 and 2023.
- Size percentile: roughly 83% of Oklahoma places rank below Muldrow.
- Population density: about 788 people per square mile (Census land area 4.2 sq mi).
- Land area rank: Muldrow's 4.2 square miles rank 153rd of 590 places in Oklahoma.
- Water area: Muldrow has 0.05 square miles of water, ranking 114th of 590 places in Oklahoma.
- Share of state population: Muldrow's 3,341 residents are about 0.1% of Oklahoma.
- National standing: Muldrow ranks 5,956th of 19,457 US places.
- Growth rank: Muldrow ranks 174th among Oklahoma's 590 places for the 2020-to-2023 change.
- Against the state trend: Muldrow's 2.2% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Muldrow places 176th among Oklahoma's places by people per square mile.
- Density vs Oklahoma: Muldrow's 788 people per square mile compare with a state median of 546.
- Location: 35.4034 / -94.5975, per the US Census Bureau Gazetteer.
- Nearest larger cities: Roland (5 mi); Sallisaw (12 mi); Pocola (13 mi); Fort Smith (13 mi); Van Buren (14 mi). Larger metros often have more branches, but online lenders reach Muldrow on the same terms.
- Smaller places close by: Gans (6 mi); Fort Coffee (8 mi); Moffett (8 mi).
- Within a 50-mile radius: 63 smaller Census places.
- At 100 miles: 62 larger Census places fall inside that radius.
Getting a loan in Muldrow
At roughly 788 people per square mile, Muldrow is moderately settled; 18 larger places lie within 50 miles. A Oklahoma licence lets a lender serve Muldrow without a local office, so branch density does not change what its 3,341 residents are offered. For a larger market, the closest option is Roland, OK about 5 miles away.
Muldrow against the rest of Oklahoma
Against Oklahoma's other places, Muldrow accounts for about 0.1% of the state's population and ranks 98th of 590 by size. Its 2020-to-2023 change ranks 174th of 590 Oklahoma places, putting it near the 71th percentile for growth. Its roughly 788 residents per square mile place it 176th among Oklahoma's places. The population moved by about 72 people between 2020 and 2023, a 2.2% shift.
What to do before borrowing in Muldrow
Before you hand your details to a lender in Muldrow, where the population is near 3,341:
- 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.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Oklahoma regulator's licence records before you sign.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
In Muldrow as elsewhere in Oklahoma, the written terms — not the advertisement — are what count for its 3,341 residents.
The geography behind Muldrow
Muldrow covers about 4.2 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). That land carries about 788 people per square mile. For the state's biggest city, Oklahoma City, the distance is roughly 164 miles. Muldrow has 18 larger places within a 50-mile radius. By land area it ranks 153rd of 590 Oklahoma places.
What Oklahoma law requires in Muldrow
Every row below records a Oklahoma rule, its publisher and its retrieval date — the same rules a Muldrow 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 |
| 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 |
| 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 |
Common questions
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Nearby places
- Roland, OK — population 3,818
- Gans, OK — population 254
- Fort Coffee, OK — population 347
- Moffett, OK — population 33
- Spiro, OK — population 2,172
- Arkoma, OK — population 1,849
- Pocola, OK — population 4,527
- Sallisaw, OK — population 8,641