Personal loans in Stilwell, OK
Stilwell is one of 590 Census places in Oklahoma; its 3,771 residents put it at 92nd. Population in Stilwell climbed about 1.7% over the three years from 2020 to 2023. Stilwell is a small community of about 3,771 residents, and a personal loan taken out here is governed by Oklahoma statute. State law, not city hall, decides what a lender may do to Stilwell's roughly 3,771 residents, and a state regulator supervises it. Read the disclosure for an origination fee and any prepayment penalty before signing in Stilwell. The next larger city is Tahlequah, OK about 20 miles away.
Stilwell: the sourced local profile
Here is the sourced Census picture for Stilwell, plus the Oklahoma lending rules that apply to a loan taken out here.
- Population: about 3,771, ranked 92nd of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 1.7%.
- Change in people: the 2020-to-2023 comparison is a gain of about 62 residents.
- Size percentile: about 84% of Oklahoma communities are smaller than Stilwell (3,771 residents).
- Population density: 1,068 people per square mile on 3.5 square miles of land.
- Land area: Stilwell covers 3.5 square miles, the 171st-largest area among Oklahoma's 590 places.
- Water: Stilwell holds about 0.02 square miles, the 148th-largest water area in Oklahoma.
- Share of state population: Stilwell's 3,771 residents are about 0.1% of Oklahoma.
- National rank: Stilwell is 5,610th of 19,457 places nationwide.
- Growth rank: Stilwell ranks 208th among Oklahoma's 590 places for the 2020-to-2023 change.
- Versus Oklahoma: the state average change is +1.3%, while Stilwell moved 1.7%.
- Density in Oklahoma: Stilwell ranks 89th by people per square mile.
- Density vs Oklahoma: Stilwell's 1,068 people per square mile compare with a state median of 546.
- Location: latitude 35.8152, longitude -94.6315 (Census Gazetteer).
- Nearest larger cities: Tahlequah (20 mi); Prairie Grove (22 mi); Farmington (26 mi); Siloam Springs (26 mi); Sallisaw (26 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Westville (12 mi); Lincoln (15 mi); Marble City (19 mi).
- Smaller places within 50 miles: 70 of them.
- At 100 miles: 69 larger Census places fall inside that radius.
Stilwell: area, density and distance
The Census Gazetteer records 3.5 square miles of land and 0.02 square miles of water within Stilwell. The resulting density is about 1,068 people per square mile. The state's population centre of gravity, Oklahoma City, is roughly 164 miles away. Counting outward 50 miles, 26 larger communities surround Stilwell. The 100-mile radius contains 69 larger places.
Oklahoma consumer-lending rules applied in Stilwell
Every row below records a Oklahoma rule, its publisher and its retrieval date — the same rules a Stilwell lender must follow.
| 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 |
| 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 |
| Small loan rate and principal caps (state-specific rule) | Small loans: interest capped at 17% per month; maximum aggregated principal of $1,500 per customer across all licensees (CPI-adjusted). Source says: "A licensee may only charge and collect a periodic interest rate not to exceed seventeen percent (17%) per month" (59 O.S. 3150.10(B)); max aggregated principal is $1,500 (3150.10(C)). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
Stilwell against the rest of Oklahoma
Against Oklahoma's other places, Stilwell accounts for about 0.1% of the state's population and ranks 92nd of 590 by size. For population change between 2020 and 2023, Stilwell ranks 208th of 590 in Oklahoma (about the 65th percentile). By density, at about 1,068 people per square mile, it ranks 89th in Oklahoma. In land area, Stilwell ranks 171st among Oklahoma's 590 places.
What shapes a Stilwell personal loan
Stilwell is a small community of about 3,771 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Stilwell can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Stilwell loan is knowable in advance — unlike a revolving card balance.
How lenders reach Stilwell
With about 1,068 residents per square mile, Stilwell is moderately settled, and 26 larger Census places sit within 50 miles. Distance to a branch rarely matters for Stilwell's 3,771 residents: the application is online and the price follows your credit file. The nearest bigger place is Tahlequah, OK about 20 miles away.
Common questions
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Nearby places
- Westville, OK — population 1,406
- Lincoln, AR — population 2,355
- Marble City, OK — population 191
- Watts, OK — population 278
- Cedarville, AR — population 1,438
- Tahlequah, OK — population 16,833
- West Siloam Springs, OK — population 1,056
- Prairie Grove, AR — population 8,186