Personal loans in Sharon, OK
The roughly 128 people who live in Sharon borrow under Oklahoma rules; city hall sets no personal-loan rate. Sharon ranks 480th of 590 places in Oklahoma, with a population near 128.
From the 2020 Census base to the 2023 estimate, the population declined by about 3.0%. Price two or three terms so you can see which payment is truly affordable in Sharon. Borrowers who want a bigger city can look to Vici, OK about 9 miles away. Rate ceilings, licensing requirements and product limits for Sharon are all set at the Oklahoma level.
The Sharon data picture
What follows is Sharon's place in the Census record, alongside the Oklahoma rules that govern a personal loan made here.
- Population: the Census counts 128 residents in Sharon (Vintage 2023 subcounty estimate), the 480th-largest figure among Oklahoma's 590 places.
- Population trend: Roughly 3.0% fewer residents than the 2020 Census counted.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: bigger than about 19% of the places in Oklahoma, with 128 residents in Sharon.
- Density: the Census land area of 0.1 sq mi holds about 941 people per square mile.
- Land area: Sharon covers 0.1 square miles, the 572nd-largest area among Oklahoma's 590 places.
- State share: roughly 0.0% of Oklahoma's residents live in Sharon (128 people).
- National rank: Sharon sits 17,644th by population among the 19,457 places in this dataset.
- Growth rank: Sharon's 2020-to-2023 change ranks 551st of 590 places in Oklahoma.
- Against the state trend: Sharon's 3.0% change compares with a Oklahoma average of +1.3% across its 590 places.
- Density rank: Sharon is the 125th most densely settled place in Oklahoma.
- Density in context: Sharon's 941 people per square mile sit against a Oklahoma median of 546.
- Location: 36.2755, -99.3381 (US Census Bureau Gazetteer).
- Nearest larger cities: Vici (9 mi); Woodward (11 mi); Mooreland (13 mi); Fargo (17 mi); Camargo (18 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Mutual (10 mi); May (33 mi); Putnam (36 mi).
- Smaller places within 50 miles: 6 of them.
- At 100 miles: 121 larger Census places fall inside that radius.
What to do before borrowing in Sharon
A sensible order of operations for a loan in Sharon, home to about 128 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- 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.
- Make sure the lender appears in the Oklahoma regulator's licence list.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
None of these steps is Sharon-specific: the same Oklahoma licensing and disclosure rules reach all 128 residents.
Inside a Sharon personal loan
Sharon is a small community of about 128 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Sharon. Shortening the term on a Sharon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Oklahoma rules behind a Sharon personal loan
For the roughly 128 residents of Sharon, the rules below are Oklahoma's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
Borrowing reach in Sharon
At roughly 941 people per square mile, Sharon is moderately settled; 26 larger places lie within 50 miles. What is available to Sharon's 128 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Vici, OK about 9 miles away.
Sharon against the rest of Oklahoma
Sharon is the 480th-largest of 590 Census places in Oklahoma and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Sharon stands 551st among Oklahoma's 590 places — roughly the 7th percentile. Its roughly 941 residents per square mile place it 125th among Oklahoma's places. Within 50 miles sit 6 smaller Census places, alongside the 26 that are larger.
Common questions
What are my options in Sharon if my credit is poor?
What loan size can I expect in Sharon?
Do I have to pledge anything to borrow in Sharon?
Does comparing loans in Sharon cost me credit score points?
Nearby places
- Vici, OK — population 585
- Woodward, OK — population 11,753
- Mutual, OK — population 62
- Mooreland, OK — population 1,139
- Camargo, OK — population 179
- Fargo, OK — population 306
- Fort Supply, OK — population 315
- Leedey, OK — population 399