Personal Loans: Secured & Unsecured Loans

A personal loan can be the answer when you need cash for a specific purchase or emergency. Whether you choose a secured or unsecured loan, it can be used to consolidate other loans or credit cards, pay medical expenses** or even take a vacation. Members will receive the entire loan upfront in cash to use as needed. So, the next time you need cash fast, let Oklahoma Central help you meet those financial needs.

What's the difference between a secured and unsecured loan?

Unsecured Loans

  • Competitive rates as low as 10.99% APR*
  • Not secured by collateral, but instead member's signature
  • Loan amounts up to $35,000
  • Loan terms up to 60 months
  • No prepayment penalty
  • Debt Protection available

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Secured Loans

  • Competitive rates
  • Secured by money you have in a certificate or share/savings account at Oklahoma Central
  • Excellent way to establish or reestablish credit
  • Minimum loan amount: $500
  • Minimum payment amount: $50
  • Loan terms up to 60 months
  • Debt Protection available

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Overdraft Protection Line of Credit

An Overdraft Protection Line of Credit is a loan used to avoid bounced checks and declined debit card purchases by automatically transferring funds from the line of credit into the members’ checking account.

  • Loan limits from $1,000 - $5,000
  • Competitive rates
  • Low monthly payments, no prepayment penalty
  • Debt Protection available
  • $24 Annual fee

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Prefer to Apply in Person?

Visit any of our convenient branch locations to apply in person. Our representatives are ready to assist you with flexible home upgrade financing options.

 

Find a nearby branch

Visit one of our convenient locations to apply in person.

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Give us a call

Select option 2 to speak with a member representative.

918-664-6000 

 *APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/26 and 42-month financing. A $10,000 loan, at 10.99% APR with 42 monthly payments will be $288 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

**APR is defined as Annual Percentage Rate. Rates subject to credit approval. Rates quoted as of 04/01/26. Loan terms range from 12 to 60 months, with maximum APR of 20.99%. A $20,000 loan, with a $20 fee, at 20.99% APR with 42 monthly payments will be $677 per month. A $20,000 loan, with a $20 fee, at 10.99% APR with 60 monthly payments will be $436 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

***Oklahoma Central Credit Union provides personal loans to assist with a variety of expenses, including but not limited to medical expenses. The allocation of loan funds is at the sole discretion of the loan holder. Please note that our institution does not offer medical advice or billing guidance. For any medical-related inquiries, consult a qualified healthcare professional. 

11335 East 41st Street, Tulsa, OK 74146 

Related Educational Opportunity

Are you looking to better understand payment options for your lifestyle? Or pay off existing loans and debt? This program will help you to understand different payment and payoff options.