Vian at a glance
- Population: roughly 1,388 people; 171st of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,379 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 0.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Oklahoma places: the 171st-largest of 590 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 71% of the places in Oklahoma (US Census Bureau).
- Coordinates: latitude 35.5042, longitude -94.9698 (US Census Bureau Gazetteer).
- Nearest larger cities: Sallisaw, OK (10 mi); Stigler, OK (19 mi); Warner, OK (19 mi); Muldrow, OK (22 mi); Fort Gibson, OK (25 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Tamaha, OK (8 mi); Gore, OK (8 mi); Paradise Hill, OK (9 mi) (US Census Bureau).
What a personal loan costs in Vian
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Oklahoma lending rules that apply in Vian
The table carries the Oklahoma rate and licensing rules that apply to consumer loans made in Vian.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Vian
The steps below are worth completing first when you borrow in Vian:
- 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.