Valley Park at a glance
- Population: about 20 residents, ranking 580th of 590 Census places in Oklahoma (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 18 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 11.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Oklahoma places: the 580th-largest of 590 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 2% of places in Oklahoma rank below it by population (US Census Bureau).
- Coordinates: 36.2788, -95.7357 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Verdigris, OK (5 mi); Owasso, OK (6 mi); Catoosa, OK (7 mi); Claremore, OK (7 mi); Fair Oaks, OK (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Lotsee, OK (28 mi); Foraker, OK (62 mi); Stidham, OK (63 mi) (US Census Bureau).
What a personal loan costs in Valley Park
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Oklahoma lending rules that apply in Valley Park
The table lists the Oklahoma rules that apply to a loan made in Valley Park, each with the regulator that published it.
| 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 Valley Park
These steps are the ones that most affect the offer you receive in Valley Park:
- 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.