Personal loans in Okarche, OK
Okarche counts about 1,176 people, and what is genuinely local about borrowing here is limited — Oklahoma law does the governing. About 1,176 people live in Okarche, placing it 187th of 590 Census places in Oklahoma. Okarche gained roughly 3.0% in population across the 2020-to-2023 comparison. Use the calculator on this page to price an amount and term before you commit in Okarche. The nearest larger city is Kingfisher, OK about 9 miles away. A lender that serves Okarche operates under Oklahoma lending statutes and a Oklahoma supervisor.
Local context for Okarche
Only a few things actually differ by place — population, area, location, and the Oklahoma rules a lender must follow — and they are below.
- Population: about 1,176, ranked 187th of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 3.0% from 2020 to 2023.
- People gained or lost: about 34 more since the 2020 base.
- Size percentile: bigger than about 68% of the places in Oklahoma, with 1,176 residents in Okarche.
- Population density: about 535 people per square mile across 2.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Okarche's 2.2 square miles rank 220th of 590 places in Oklahoma.
- Water area: Okarche has 0.04 square miles of water, ranking 126th of 590 places in Oklahoma.
- State share: roughly 0.0% of Oklahoma's residents live in Okarche (1,176 people).
- National rank: Okarche sits 9,630th by population among the 19,457 places in this dataset.
- Growth rank: Okarche's 2020-to-2023 change ranks 132nd of 590 places in Oklahoma.
- Versus Oklahoma: the state average change is +1.3%, while Okarche moved 3.0%.
- Density in Oklahoma: Okarche ranks 302nd by people per square mile.
- Density vs Oklahoma: Okarche's 535 people per square mile compare with a state median of 546.
- Location: latitude 35.7249, longitude -97.9757 (Census Gazetteer).
- Nearest larger cities: Kingfisher (9 mi); El Reno (13 mi); Piedmont (13 mi); Yukon (18 mi); Union City (23 mi). Living near a larger metro rarely changes what is available in Okarche.
- Smaller places nearby: Calumet (12 mi); Cashion (18 mi); Dover (18 mi).
- Within a 50-mile radius: 47 smaller Census places.
- Larger places within 100 miles: 98.
Okarche on the map
Okarche's land area is about 2.2 square miles; a further 0.04 square miles is water. Spread across it are roughly 535 residents per square mile. The largest place in Oklahoma, Oklahoma City, lies about 31 miles away. Counting outward 50 miles, 39 larger communities surround Okarche. By land area it ranks 220th of 590 Oklahoma places.
Oklahoma consumer-lending rules applied in Okarche
This table holds the Oklahoma rate and licensing rules for consumer loans made to Okarche's 1,176 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 |
| 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 |
Getting a loan in Okarche
Okarche is a moderately settled community of about 1,176 people, with 39 larger places inside a 50-mile radius. A Oklahoma licence lets a lender serve Okarche without a local office, so branch density does not change what its 1,176 residents are offered. The nearest larger city, Kingfisher, OK about 9 miles away.
Where Okarche sits in Oklahoma
Okarche is the 187th-largest of 590 Census places in Oklahoma and contains about 0.0% of the state's people. For population change between 2020 and 2023, Okarche ranks 132nd of 590 in Oklahoma (about the 78th percentile). By density, at about 535 people per square mile, it ranks 302nd in Oklahoma. By land area, its 2.2 square miles rank 220th of 590 places in Oklahoma.
How personal loans work in Okarche
With roughly 1,176 residents, Okarche is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Okarche loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Okarche loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Kingfisher, OK — population 5,057
- El Reno, OK — population 19,216
- Calumet, OK — population 488
- Piedmont, OK — population 8,804
- Dover, OK — population 404
- Loyal, OK — population 69
- Yukon, OK — population 26,388
- Cashion, OK — population 919