Kingston at a glance
- Population: 1,475 (US Census Bureau, Vintage 2023 subcounty estimate), the 163rd-largest of 590 places in Oklahoma.
- 2020 Census base: the 2020 count put the population at 1,425 (US Census Bureau).
- 2020 to 2023 change: up about 3.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Oklahoma places: 163rd-largest of 590 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 72% of Oklahoma's places have fewer residents (US Census Bureau).
- Coordinates: 34.0004 latitude, -96.7065 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Madill, OK (7 mi); Pottsboro, TX (16 mi); Tishomingo, OK (17 mi); Calera, OK (17 mi); Denison, TX (18 mi); US Census Bureau population estimates.
- Nearest smaller places: Oakland, OK (8 mi); Mead, OK (11 mi); Silo, OK (14 mi) (US Census Bureau estimates).
What a personal loan costs in Kingston
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Oklahoma lending rules that apply in Kingston
The Oklahoma rate caps and licensing rules that reach Kingston are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kingston
Here is a short checklist for comparing personal loans in Kingston:
- 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.