Personal loans in Perry, OK

With roughly 4,424 residents, Perry is a small community, and the lending rules its borrowers live under are written in Oklahoma, not by the city. The trend for Perry between 2020 and 2023 is downward by roughly 1.4%. Begin with the payment, then weigh APR and total interest across the lenders that reach Perry's 4,424 residents. To lend to Perry's 4,424 residents, a company must hold a Oklahoma licence, and each sourced row below names the regulator behind it. The closest larger place is Stillwater, OK about 17 miles away.

The Perry data picture

Most of what governs a Perry loan is written in Oklahoma law rather than in the city; the sourced notes below make that split concrete.

• Population: about 4,424, ranked 83rd of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 1.4% across the 2020-to-2023 comparison.
• People gained or lost: about 64 fewer since the 2020 base.
• Size percentile: Perry's 4,424 people outrank roughly 86% of the places in Oklahoma.
• Land and density: 6.8 square miles of land carry roughly 649 residents per square mile.
• Land area rank: Perry's 6.8 square miles rank 115th of 590 places in Oklahoma.
• Water area rank: Perry ranks 24th among Oklahoma's 590 places, with 0.96 sq mi.
• State share: roughly 0.1% of Oklahoma's residents live in Perry (4,424 people).
• National standing: Perry ranks 5,190th of 19,457 US places.
• Growth in Oklahoma: Perry stands 470th by percentage change from 2020 to 2023, among 590 places.
• Against the state trend: Perry's 1.4% change compares with a Oklahoma average of +1.3% across its 590 places.
• Density rank: Perry is the 248th most densely settled place in Oklahoma.
• Density vs Oklahoma: Perry's 649 people per square mile compare with a state median of 546.
• Location: mapped by the US Census Bureau at 36.2801, -97.3082.
• Nearest larger cities: Stillwater (17 mi); Guthrie (28 mi); Enid (32 mi); Ponca City (33 mi); Blackwell (36 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Orlando (10 mi); Mulhall (12 mi); Red Rock (14 mi).
• Within a 50-mile radius: 77 smaller Census places.
• At 100 miles: 64 larger Census places fall inside that radius.

The Perry borrowing checklist

Before you hand your details to a lender in Perry, where the population is near 4,424:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Oklahoma regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Perry-specific: the same Oklahoma licensing and disclosure rules reach all 4,424 residents.

Lender access in Perry

With about 649 residents per square mile, Perry is moderately settled, and 9 larger Census places sit within 50 miles. Whether Perry has a local branch or not, a Oklahoma-licensed lender can serve its 4,424 people online on the same terms. For a larger market, the closest option is Stillwater, OK about 17 miles away.

The Oklahoma lending rules that reach Perry

This table holds the Oklahoma rate and licensing rules for consumer loans made to Perry's 4,424 residents.

Perry on the map

Perry's land area is about 6.8 square miles; a further 0.96 square miles is water. With 4,424 residents, the land area yields roughly 649 people per square mile. The largest place in Oklahoma, Oklahoma City, lies about 57 miles away. Perry has 9 larger places within a 50-mile radius. The 100-mile radius contains 64 larger places.

Perry against the rest of Oklahoma

Against Oklahoma's other places, Perry accounts for about 0.1% of the state's population and ranks 83rd of 590 by size. On the 2020-to-2023 trend, Perry stands 470th among Oklahoma's 590 places — roughly the 20th percentile. By density, at about 649 people per square mile, it ranks 248th in Oklahoma. In land area, Perry ranks 115th among Oklahoma's 590 places.