Personal loans in Pittsburg, OK
Census figures put the 2020-to-2023 decrease in Pittsburg at about 1.1%. For a borrower among the roughly 175 residents of Pittsburg, a personal loan is a tool whose cost turns on the terms, not the address. With an estimated 175 residents, Pittsburg is the 448th-largest of 590 places in Oklahoma. The nearest larger city is Kiowa, OK about 3 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Pittsburg's 175 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Pittsburg loan.
The Pittsburg data picture
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 175, ranked 448th of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 1.1% fewer residents than the 2020 Census counted.
- People gained or lost: about 2 fewer since the 2020 base.
- Size percentile: Pittsburg sits ahead of around 24% of Oklahoma places, at 175 people.
- Population density: 367 people per square mile on 0.5 square miles of land.
- Land area: Pittsburg covers 0.5 square miles, the 438th-largest area among Oklahoma's 590 places.
- Share of Oklahoma: Pittsburg holds about 0.0% of the state's population, some 175 people.
- National rank: Pittsburg is 16,873rd of 19,457 places nationwide.
- Growth rank: Pittsburg's 2020-to-2023 change ranks 454th of 590 places in Oklahoma.
- State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Pittsburg's 1.1%.
- Density rank: Pittsburg places 383rd among Oklahoma's places by people per square mile.
- Density vs Oklahoma: Pittsburg's 367 people per square mile compare with a state median of 546.
- Location: the Census Gazetteer records it at 34.7116, -95.8502.
- Nearest larger cities: Kiowa (3 mi); Savanna (9 mi); McAlester (15 mi); Alderson (16 mi); Krebs (17 mi). Living near a larger metro rarely changes what is available in Pittsburg.
- Smaller towns nearby: Ashland (13 mi); Phillips (26 mi); Gerty (26 mi).
- Within a 50-mile radius: 19 smaller Census places.
- At 100 miles: 240 larger Census places fall inside that radius.
What to do before borrowing in Pittsburg
These steps shape the offer you get in Pittsburg, a place of about 175 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- 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.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
None of these steps is Pittsburg-specific: the same Oklahoma licensing and disclosure rules reach all 175 residents.
Land, water and location for Pittsburg
The Census Gazetteer records about 0.5 square miles of land within Pittsburg, with no significant water area listed. The resulting density is about 367 people per square mile. The state's population centre of gravity, Oklahoma City, is roughly 108 miles away. Counting outward 50 miles, 41 larger communities surround Pittsburg. Within the same 50 miles lie 19 smaller Census places.
Oklahoma rules behind a Pittsburg personal loan
Below are the Oklahoma rules that apply to a loan made in Pittsburg, each with the regulator that issued it.
| 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 Pittsburg
At roughly 367 people per square mile, Pittsburg is lightly settled; 41 larger places lie within 50 miles. Whether Pittsburg has a local branch or not, a Oklahoma-licensed lender can serve its 175 people online on the same terms. For a larger market, the closest option is Kiowa, OK about 3 miles away.
Pittsburg in state context
Pittsburg is the 448th-largest of 590 Census places in Oklahoma and contains about 0.0% of the state's people. For population change between 2020 and 2023, Pittsburg ranks 454th of 590 in Oklahoma (about the 23th percentile). At about 367 people per square mile, Pittsburg is the 383rd most densely settled place in Oklahoma. By land area, its 0.5 square miles rank 438th of 590 places in Oklahoma.
Common questions
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Nearby places
- Kiowa, OK — population 600
- Savanna, OK — population 616
- Ashland, OK — population 31
- McAlester, OK — population 18,140
- Alderson, OK — population 219
- Krebs, OK — population 2,070
- Haileyville, OK — population 702
- Stuart, OK — population 194