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The Best Payday Loans in Hinton, OK

Our research team has identified the top 3 payday loan lenders in Hintonbased on experience, customer reviews, approval rates, and transparent lending practices.

3
Top Lenders
4.1/5
Avg Rating
14
Avg Experience
268
Total Reviews

Top Payday Loan Lenders in Hinton

Carefully selected based on experience, customer satisfaction, and transparent lending practices

1

Hinton Cash Advance

Hinton Cash Advance

★★★★☆
4.2/5

Hinton Cash Advance is a locally-owned and operated payday loan provider that has been serving the Hinton community for over a decade. Known for their personalized service and quick approval process, they specialize in small-dollar emergency loans with transparent terms. Their convenient location on Highway 37 makes them easily accessible to Hinton residents, and they've built a strong reputation for helping customers through temporary financial challenges with dignity and respect.

Experience:14 years
Reviews:67 customer reviews
(405) 542-3188
201 W Hwy 37, Hinton, OK

Loan Types:

Payday LoansCash AdvanceCheck Cashing
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2

Oklahoma Title & Payday Loan

Oklahoma Title & Payday Loan

★★★★☆
4.1/5

Oklahoma Title & Payday Loan is a regional lender with multiple locations across western Oklahoma, including their Hinton branch. They offer flexible payday loan options along with title loans for customers needing larger amounts. With over a decade of experience serving rural Oklahoma communities, they understand the unique financial needs of Hinton residents and provide customized loan solutions with competitive rates for qualified borrowers.

Experience:12 years
Reviews:89 customer reviews
(405) 542-2991
315 N Broadway, Hinton, OK

Loan Types:

Payday LoansTitle LoansInstallment Loans
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3

Cash Express

Cash Express LLC

★★★★☆
4/5

Cash Express operates as a regional payday lending chain with multiple locations throughout Oklahoma, including their Hinton storefront. They've built a solid reputation for reliable service and straightforward loan terms. The company specializes in quick cash advances with minimal paperwork requirements, making them a popular choice for Hinton residents needing immediate financial assistance. Their Main Street location provides convenient access, and they're known for their professional staff and commitment to customer satisfaction.

Experience:16 years
Reviews:112 customer reviews
(405) 542-3777
128 W Main St, Hinton, OK

Loan Types:

Payday LoansCash AdvanceBill Pay Services
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Frequently Asked Questions

Common questions about payday loans in Hinton, Oklahoma

What are the eligibility requirements for a payday loan in Hinton, OK?

To qualify for a payday loan in Hinton, you must be at least 18 years old, have a valid Oklahoma driver's license or state ID, provide proof of steady income (minimum $1,000-1,500 monthly), have an active checking account, and show proof of residency in Caddo County. Most Hinton lenders require recent pay stubs or bank statements as income verification. Unlike some states, Oklahoma doesn't impose a maximum number of outstanding loans, but individual lenders may have their own restrictions.

What are the maximum fees and interest rates for payday loans in Hinton?

Under Oklahoma state law, payday lenders in Hinton can charge up to $15 per $100 borrowed on loans up to $300. For loans between $300 and $500, the fee cannot exceed $10 per $100 on the amount over $300. This translates to an APR of approximately 390% for a typical two-week loan. All fees must be clearly disclosed in your loan agreement according to Oklahoma's Deferred Deposit Lending Act.

Are there any local Hinton regulations I should know about payday loans?

While Hinton follows Oklahoma state regulations, the city doesn't have additional local ordinances specifically governing payday lending. Oklahoma law allows loans up to $500 with terms from 12 to 45 days, and lenders must be licensed by the Oklahoma Department of Consumer Credit. Hinton residents should know that Oklahoma permits rollovers or extensions, but lenders must offer an extended payment plan at no additional cost if you can't repay after two renewal periods.

What documentation do I need to apply for a payday loan in Hinton?

When applying for a payday loan at Hinton lenders, you'll typically need your Oklahoma driver's license or state ID, your most recent pay stub or alternative income verification (like Social Security or disability statements), your checking account number and routing number, and proof of your Hinton address (such as a utility bill). Some lenders may also request your Social Security number for identity verification purposes, though credit checks are usually minimal.

What should I do if I can't repay my payday loan on time in Hinton?

If you're struggling to repay your payday loan in Hinton, contact your lender immediately to discuss options. Oklahoma law requires lenders to offer an extended payment plan at no additional cost if you've had the same loan for at least 60 days and can't repay after two renewals. You can also contact the Oklahoma Department of Consumer Credit for assistance or file a complaint if you believe a Hinton lender isn't following state regulations. Consider local alternatives like credit counseling through organizations serving Caddo County residents.

Financial Insights

Navigating Instant Payday Loans in Hinton, OK: A Local's Guide to Quick Cash

When an unexpected expense pops up in Hinton, whether it's a car repair on I-40 or a medical bill, the need for quick cash can feel urgent. For many residents of Caddo County, an instant payday loan can seem like a viable solution to bridge a temporary financial gap. This guide aims to provide clear, helpful information about how these short-term loans work specifically for our community, so you can make an informed decision.

Understanding Instant Payday Loans Locally

An instant payday loan is a small, short-term cash advance designed to be repaid by your next paycheck. In Hinton, OK, these are typically offered by storefront lenders or online services. The "instant" refers to the quick approval and funding process, often within the same business day. It's crucial to know that Oklahoma state law regulates these loans. State regulations cap the loan amount and fees, but APRs can still be high compared to traditional loans. Before visiting a local lender or applying online, always verify they are licensed with the Oklahoma Department of Consumer Credit to ensure they operate within legal boundaries.

Practical Tips for Hinton Residents

First, exhaust all local alternatives. Consider speaking with local utility companies about payment plans, or exploring assistance programs in the area. If a payday loan is your only option, borrow only the absolute minimum you need. Calculate the total repayment cost, including all fees, to ensure it fits within your upcoming budget. A key tip for our community: plan for repayment before you borrow. Since these loans are due in full on your next payday, a single loan can quickly lead to a cycle of debt if you're unable to cover it. Many Hinton residents work in agriculture, retail, or commute to nearby cities; factor in the stability of your income before taking on this obligation.

Making a Responsible Decision

Always read the loan agreement thoroughly. Don't hesitate to ask the lender in Hinton to explain any terms you don't understand. Be wary of rolling over or renewing the loan, as this adds significant fees and is a primary driver of debt cycles. As a final piece of local advice, consider building a small emergency fund over time, even if it's just a few dollars each week. This can help you avoid needing fast cash options in the future. Instant payday loans are a financial tool best used with extreme caution for genuine, one-time emergencies.

If you're facing a cash shortfall, taking a moment to understand the full scope of an instant payday loan can prevent future financial stress. By borrowing responsibly and exploring all options, you can navigate these challenging situations more confidently right here in Hinton.

instant payday loan

Nearby Cities

Looking for payday loan lenders in nearby areas? Check out these cities near Hinton:

Lookeba

Oklahoma

Geary

Oklahoma

Binger

Oklahoma

How We Rate Hinton Lenders

Our comprehensive 5-star rating system evaluates lenders across multiple criteria to help you find the best payday loan provider in Hinton.

Experience & Reliability

Years in business, approval rates, and specialization in short-term lending.

Customer Reviews & Satisfaction

Verified customer feedback, testimonials, and overall satisfaction ratings.

Terms & Transparency

Clear terms, competitive rates, and transparent lending practices.

Need a Payday Loan in Hinton?

Contact one of our top-rated lenders today for quick approval and competitive rates on your short-term loan needs.

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