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Kay County, Oklahoma (OK)

Payday & Installment Loans in Ponca City, OK

18 lenders in Ponca City, OK · 2 list hours · 1 open Saturday · 18 verified in the last 30 days · + 1 reported, not yet verified

Looking for a payday or installment loan near you in Ponca City, Oklahoma? We list 18 lender locations in Ponca City with addresses, phone numbers, opening hours and, where Oklahoma publishes it, license status. Last checked October 9, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in Ponca City

16 without listed hours yet

Other lenders reported in Ponca City

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 15, 2026). Not yet matched to a state license or the brand's own store list.

Ponca City lenders at a glance

Ponca City, in Kay County (population 24,234), has 18 lender locations in our directory: 12 installment lenders, 5 pawn shops and 2 payday loan stores (some stores offer more than one type), across 2 ZIP codes. The chains with the most stores here are Check 'n Go (1), Check Into Cash (1) and Security Finance (1). Of the 2 stores that publish hours, 1 open on Saturday and 0 on Sunday. The nearest other city with lenders is Blackwell, about 14 miles away, with 2 locations.

Stores by loan type
Payday loans 2
Installment loans 12
Pawn shops 5
County
Kay County
ZIP codes with stores
74601, 74604
Hours (2 stores list them)
Open Saturday: 1

Rules for lenders in Ponca City

Ponca City has no local payday or title loan ordinance in our records, so Oklahoma state law applies.

  • Payday-style lending in Oklahoma is now licensed as an Oklahoma Small Lender; the OSL license replaced the old Deferred Deposit Lender license. Source: DOCC 2024 Annual Report · verified Oct 9, 2026

All rules: Oklahoma lending rules.

Questions people ask

How many installment lenders are in Ponca City, OK?

We list 12 installment lenders, 5 pawn shops and 2 payday loan stores in Ponca City, checked against their sources as of October 9, 2026.

Are payday loans legal in Oklahoma?

Yes. Payday lenders operate in Oklahoma under state rules. For example: Payday-style lending in Oklahoma is now licensed as an Oklahoma Small Lender; the OSL license replaced the old Deferred Deposit Lender license (DOCC 2024 Annual Report).

Which lenders have the most stores in Ponca City?

Check 'n Go (1 store), Check Into Cash (1 store) and Security Finance (1 store).

Are any lenders in Ponca City open on weekends?

Of the 2 stores that publish hours, 1 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Oklahoma Department of Consumer Credit licence rosters · 18 locations Last verified Oct 15, 2026
  2. World Finance locations (OK) · 1 location Last verified Oct 15, 2026
  3. Check 'n Go locations (OK) · 1 location Last verified Oct 15, 2026
  4. OpenStreetMap (Overpass API), OK · 1 location Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  5. 59 O.S. § 3150 et seq. (Oklahoma Small Lenders Act), 59 O.S. § 3150 et seq. (DOCC licence requirements) · General rules Last verified Oct 9, 2026 · high confidence
  6. 59 O.S. § 3150.10(C) · General rules Last verified Oct 9, 2026 · high confidence
  7. 59 O.S. § 3150.10(C) · General rules Last verified Oct 9, 2026 · high confidence
  8. DOCC 2024 Annual Report · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  9. OKDOCC Pawnbroker Rate Chart (59 O.S. § 1501 et seq.) · Pawn loans Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.