East Duke at a glance
- Population: 392 (US Census Bureau, Vintage 2023 subcounty estimate), the 341st-largest of 590 places in Oklahoma.
- 2020 Census base: 394 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 0.5% since the 2020 count (US Census Bureau).
- Rank among Oklahoma places: the 341st-largest of 590 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 42% of places in Oklahoma rank below it by population (US Census Bureau).
- Coordinates: 34.6628 latitude, -99.5696 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Olustee, OK (11 mi); Altus, OK (15 mi); Mangum, OK (15 mi); Blair, OK (16 mi); Hollis, OK (20 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Martha, OK (11 mi); Gould, OK (12 mi); Eldorado, OK (14 mi) (Census populations).
What a personal loan costs in East Duke
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 East Duke
The sourced rows below are the rules a licensed lender must follow when lending in Oklahoma, and therefore in East Duke.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in East Duke
A few practical steps will make the process in East Duke less costly:
- 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.