Personal loans in Sulphur, OK

Sulphur ranks 78th of 590 places in Oklahoma, with a population near 4,880. Two households in Sulphur with comparable incomes can still be offered different rates; the city's 4,880 residents are not the reason.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Sulphur lost roughly 1.3% of its population across the 2020-to-2023 comparison. For a community of about 4,880, the practical step is to compare APR across at least three lenders before committing. For the 4,880 people in Sulphur, Oklahoma runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger place is Pauls Valley, OK about 20 miles away.

Sulphur by the numbers

Most of what governs a Sulphur loan is written in Oklahoma law rather than in the city; the sourced notes below make that split concrete.

What is available to Sulphur borrowers

At roughly 811 people per square mile, Sulphur is moderately settled; 7 larger places lie within 50 miles. What is available to Sulphur's 4,880 borrowers is set by Oklahoma licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Pauls Valley, OK about 20 miles away.

How Oklahoma law applies in Sulphur

Read the table as a lender's compliance picture for Sulphur: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorOklahoma 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 statusProhibited 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

What to do before borrowing in Sulphur

Complete these steps first when you borrow in Sulphur (4,880 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Oklahoma regulator's licence records before you sign.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Oklahoma; what changes is your credit file, not the fact that Sulphur holds 4,880 people.

Sulphur's place among Oklahoma's 590 places

Against Oklahoma's other places, Sulphur accounts for about 0.2% of the state's population and ranks 78th of 590 by size. Its 2020-to-2023 change ranks 465th of 590 Oklahoma places, putting it near the 21th percentile for growth. At about 811 people per square mile, Sulphur is the 169th most densely settled place in Oklahoma. The population moved by about 64 people between 2020 and 2023, a 1.3% shift.

Where Sulphur sits

Sulphur's land area is about 6.0 square miles; a further 0.17 square miles is water. Spread across it are roughly 811 residents per square mile. For the state's biggest city, Oklahoma City, the distance is roughly 73 miles. A 50-mile radius around Sulphur takes in 7 places that are larger. Within the same 50 miles lie 74 smaller Census places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Sulphur if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Sulphur is the same as anywhere in Oklahoma.
What loan size can I expect in Sulphur?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Sulphur?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Sulphur cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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