Personal loans in Ratliff City, OK
If you are weighing a personal loan in Ratliff City, start from the payment you can carry; its 64 residents face the same statewide rules.
Ratliff City is home to roughly 64 people and stands 552nd by size out of 590 Census places in Oklahoma. The 2020-to-2023 change in Ratliff City is negligible, under a tenth of a percent. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ratliff City loan. The closest larger city is Tatums, OK about 3 miles away. To lend to Ratliff City's 64 residents, a company must hold a Oklahoma licence, and each sourced row below names the regulator behind it.
Ratliff City: population, trend and location
Only a few things actually differ by place — population, area, location, and the Oklahoma rules a lender must follow — and they are below.
- Population: a Census-estimated 64, 552nd among Oklahoma's 590 places (Vintage 2023).
- Population trend: Steady across the 2020-to-2023 comparison.
- Size percentile: roughly 6% of Oklahoma places rank below Ratliff City.
- Population density: about 57 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Ratliff City covers 1.1 square miles, the 310th-largest area among Oklahoma's 590 places.
- State population share: Ratliff City accounts for about 0.0% of everyone in Oklahoma.
- National standing: Ratliff City ranks 18,771st of 19,457 US places.
- Growth rank: Ratliff City ranks 361st among Oklahoma's 590 places for the 2020-to-2023 change.
- Versus Oklahoma: the state average change is +1.3%, while Ratliff City moved 0.0%.
- Density in Oklahoma: Ratliff City ranks 555th by people per square mile.
- Density vs Oklahoma: Ratliff City's 57 people per square mile compare with a state median of 546.
- Location: 34.4524, -97.5174 (US Census Bureau Gazetteer).
- Nearest larger cities: Tatums (3 mi); Velma (8 mi); Foster (11 mi); Loco (13 mi); Elmore City (14 mi). Living near a larger metro rarely changes what is available in Ratliff City.
- Smaller communities within reach: Sugden (37 mi); Macomb (56 mi); Smith Village (69 mi).
- Within a 50-mile radius: 1 smaller Census places.
- Within 100 miles: 320 places are larger than Ratliff City.
Where Ratliff City sits
Inside Ratliff City's boundaries lie about 1.1 square miles of land, with no significant water area recorded. The resulting density is about 57 people per square mile. Oklahoma City, the largest place in Oklahoma, is about 70 miles from Ratliff City. Ratliff City has 75 larger places within a 50-mile radius. By land area it ranks 310th of 590 Oklahoma places.
What shapes a Ratliff City personal loan
Most loans made to Ratliff City's 64 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ratliff City. The term you choose in Ratliff City decides the split between a comfortable payment and the total interest you pay.
How Ratliff City compares across Oklahoma
Among Oklahoma's 590 places, Ratliff City sits at 552nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ratliff City stands 361st among Oklahoma's 590 places — roughly the 39th percentile. At about 57 people per square mile, Ratliff City is the 555th most densely settled place in Oklahoma. In land area, Ratliff City ranks 310th among Oklahoma's 590 places.
Oklahoma rules behind a Ratliff City personal loan
These are Oklahoma's sourced lending facts as they reach Ratliff City's 64 residents; the state has no city-level rate rule.
| 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 |
Borrowing reach in Ratliff City
With about 57 residents per square mile, Ratliff City is sparsely settled, and 75 larger Census places sit within 50 miles. Whether Ratliff City has a local branch or not, a Oklahoma-licensed lender can serve its 64 people online on the same terms. The nearest bigger place is Tatums, OK about 3 miles away.
Common questions
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Nearby places
- Tatums, OK — population 117
- Velma, OK — population 578
- Foster, OK — population 248
- Loco, OK — population 106
- Elmore City, OK — population 745
- Healdton, OK — population 2,353
- Katie, OK — population 339
- Ringling, OK — population 869