Personal loans in Renfrow, OK

Renfrow is home to roughly 19 people and stands 581st by size out of 590 Census places in Oklahoma. Judge Renfrow offers on total cost, not on how quickly the money arrives. Which products a lender may offer to Renfrow's 19 residents follows from the Oklahoma consumer-lending framework. The closest larger place is Caldwell, KS about 8 miles away.

Renfrow: the sourced local profile

Two layers matter for a Renfrow borrower: the local population picture and Oklahoma's consumer-lending statutes.

• Population: about 19, ranked 581st of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
• Population trend: Stable from the 2020 base to 2023.
• Size percentile: about 2% of Oklahoma communities are smaller than Renfrow (19 residents).
• Land and density: 0.1 square miles of land carry roughly 198 residents per square mile.
• Land area rank: Renfrow's 0.1 square miles rank 581st of 590 places in Oklahoma.
• Share of state population: Renfrow's 19 residents are about 0.0% of Oklahoma.
• National rank: Renfrow sits 19,358th by population among the 19,457 places in this dataset.
• Growth rank: Renfrow ranks 372nd among Oklahoma's 590 places for the 2020-to-2023 change.
• Versus Oklahoma: the state average change is +1.3%, while Renfrow moved 0.0%.
• Density rank: Renfrow places 468th among Oklahoma's places by people per square mile.
• Density vs Oklahoma: Renfrow's 198 people per square mile compare with a state median of 546.
• Location: 36.9248, -97.6570 (US Census Bureau Gazetteer).
• Nearest larger cities: Caldwell (8 mi); Medford (10 mi); Deer Creek (11 mi); Hunnewell (15 mi); Wakita (15 mi). Living near a larger metro rarely changes what is available in Renfrow.
• Nearest smaller places: Jefferson (16 mi); Waldron (29 mi); Lambert (46 mi).
• Smaller neighbours: 3 places smaller than Renfrow sit within 50 miles.
• Larger places within 100 miles: 272.

A pre-application checklist for Renfrow

A sensible order of operations for a loan in Renfrow, home to about 19 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Oklahoma regulator's records to confirm the lender is licensed here.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Renfrow and the rest of Oklahoma is not the process but the borrower's own file, among the 19 people here.

How lenders reach Renfrow

Renfrow is lightly settled, with about 198 people per square mile and 73 larger places within 50 miles. Whether Renfrow has a local branch or not, a Oklahoma-licensed lender can serve its 19 people online on the same terms. The nearest bigger place is Caldwell, KS about 8 miles away.

The geography behind Renfrow

The Census Gazetteer records about 0.1 square miles of land within Renfrow, with no significant water area listed. That land carries about 198 people per square mile. The largest place in Oklahoma, Oklahoma City, lies about 101 miles away. Within 50 miles of Renfrow there are 73 larger Census places. Within the same 50 miles lie 3 smaller Census places.

How a Renfrow personal loan is priced

In Renfrow, a small community of about 19, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Renfrow 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 Renfrow loan is knowable in advance — unlike a revolving card balance.

What Oklahoma law requires in Renfrow

For the roughly 19 residents of Renfrow, the rules below are Oklahoma's own; each row carries its publisher and retrieval date.