Bethel Acres at a glance
- Population: about 3,198 residents, ranking 104th of 590 Census places in Oklahoma (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 3,032 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 5.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Oklahoma places: the 104th-largest of 590 (US Census Bureau, 2023 estimate).
- Size percentile: about 82% of places in Oklahoma are smaller (US Census Bureau).
- Coordinates: 35.3114, -97.0451 (US Census Bureau Gazetteer).
- Nearest larger cities: Shawnee, OK (6 mi); Tecumseh, OK (7 mi); McLoud, OK (8 mi); Harrah, OK (14 mi); Choctaw, OK (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Pink, OK (6 mi); Brooksville, OK (8 mi); Macomb, OK (11 mi) (US Census Bureau estimates).
What a personal loan costs in Bethel Acres
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Oklahoma lending rules that apply in Bethel Acres
The table carries the Oklahoma rate and licensing rules that apply to consumer loans made in Bethel Acres.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Prohibited 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 |
| 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 |
| 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 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 |
| 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 |
How to compare offers in Bethel Acres
Before you commit to a personal loan in Bethel Acres, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Oklahoma using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.