Davenport, Oklahoma Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Davenport, Oklahoma personal loan rates from lenders serving Oklahoma range from 6.99% to 18.24% APR, verified by MonitorBankRates as of October 23, 2026. Current personal loan options available to borrowers in Davenport, Oklahoma include: Fort Sill Federal Credit UnionFort Sill Federal Credit UnionA+5.0 ★Texas Ratio: 3.98%Rate verified Oct 15, 2026 offering Personal "Whatever" Loan at 6.99% APR, OK Members First Federal Credit UnionOK Members First Federal Credit UnionA+5.0 ★Texas Ratio: 3.49%Rate verified Oct 23, 2026 offering Unsecured Signature Loan at 7.25% APR, Southwest Oklahoma Federal Credit UnionSouthwest Oklahoma Federal Credit UnionA+5.0 ★Texas Ratio: 2.84%Rate verified Oct 15, 2026 offering Signature Loan at 8.25% APR, Endurance Federal Credit UnionEndurance Federal Credit UnionA+5.0 ★Texas Ratio: 0.86%Rate verified Oct 15, 2026 offering Personal Loans at 8.50% APR, and Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14%Rate verified Oct 20, 2026 offering Personal Loan - Up to 36 Months at 8.74% APR. Personal loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Davenport borrowers have access to 41 lenders serving the Oklahoma area, with personal loan rates as low as 6.99% APR from Fort Sill Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Davenport, Oklahoma.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Davenport, Oklahoma. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: October 23, 2026
Davenport Personal Loan Rates
As Low As; Personal loan rates range between 6.99% APR to 17.99% APR
As Low As; APR range: 7.25% - 18.00%; Rates based on individual credit score and term selected; If ACH is not utilized, add .25% to APR
As Low As; Rate as high as: 15.00% APR
Published APR range: 8.50 - 17.50 %. Rates effective as of 12/15/2025; APR based on creditworthiness and term of loan
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
APR Range: 8.74% - 16.74%; Term/credit score determines rate
As Low As; Rates vary by individual credit and collateral conditions.
As Low As; Rate as high as: 15.50% APR
As Low As; Fixed
As Low As; Rate as high as: 16.00% APR
Term: 18 Month - 48 Month Terms; As Low As; No minimum loan amount; No collateral needed; Rates As Low As 9.25% Interest / 9.25% APR
As Low As; APR with specific terms
As Low As; Rate as high as: 16.50% APR
As Low As; Rates Effective as of October 15, 2026; Rates subject to change. Please call for quote. Additional discounts may be available.
Published APR range: 9.90% to 17.90%. Rates determined by credit score; Limits based on income and ability to pay if qualified; APR range 9.90% to 17.90%
As Low As; Rates as low as 9.90%
As Low As; Based on FICO Score; APR Type: Fixed; Starting at 9.99%
As Low As; Term Guidelines: For 72 Months at least $15,000.00+; For 60 Months at least $10,000.00+; For 48 Months at least $5,000.00+; For 36 Months can be less than $4,999.99
Effective Date: 10-16-26
Signature Loans (Personal Loans); Effective Date: 10-16-26; Advertised rate includes a 0.25% loyalty discount for qualifying borrowers and a 0.25% discount for direct deposit of at least $1,500.00 per month into a CUOne Rewards Checking account
As Low As; Starting at 10.0% Annual Percentage Rate
As Low As; Personal Loan
Processing Fee (for funded loans): $97.00; Payment/$1,000: $87.99; Rates quoted for loan doc fees paid in cash and not financed
APR range: 10.24% - 17.99%; with applied discounts; Contact your Loan Officer for full details
Fixed, Min $5,000
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
Processing Fee (for funded loans): $97.00; Payment/$1,000: $46.45; Rates quoted for loan doc fees paid in cash and not financed
As Low As; Unsecured Loans
Fixed, Min $20,000
As Low As; Rate as high as: 17.50% APR
As Low As; Signature Loans, Rates as low as 10.75% APR
Up to $2,000; Unsecured loan
As Low As; Other Loans
- Oct 13, 202610.95%▲ from 8.99%
- Oct 9, 20268.99%▼ from 10.95%
- Sep 14, 202610.95%first recorded
As Low As; Loan amounts up to $35,000; Loan terms range from 12 to 60 months with maximum APR of 20.99%; No prepayment penalty; Debt Protection available
As Low As; Unsecured signature loan; rate subject to credit approval; $5 share account minimum not stated, $25 share account minimum applies per disclaimers
As Low As; APR* as low as 10.99%; rate based on creditworthiness and term of loan
Rates based on a minimum credit score of 700.
As Low As; Apply Online; Unsecured loan term limits apply by loan amount (e.g., $5,000 and up: 60-month maximum term)
As Low As; Loan amount: $10,000 Maximum
As Low As
As Low As
- Oct 4, 202611.49%▲ from 11.24%
- Sep 25, 202611.24%first recorded
As Low As; Up to 15% of gross annual income not to exceed $20,000.
As Low As; Rates effective as of 11/17/2023
As Low As; Personal Loans
Term: Fixed, Up to 60, 12 Months Per $1000
Rates based on a minimum credit score of 700.
Maximum $5,000 - Call Credit Union For Eligibility; APR Type: Fixed
As Low As; Loan amount from $10,001 - $20,000
As Low As; Monthly payment example per $1000 borrowed: $26.53
Up to $3,000; Unsecured loan
Amount: $3,500
As Low As; Rate Type: Fixed
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; APR = Annual Percentage Rate; With Approved Credit; Rates subject to change without notice
Under $5,000; APR range: 14.99%-17.99%
Rate is based on maximum allowable loan amount of $4,000. Maximum term is 36 months and payment is auto debit; Rate discount for automatic payments; Debt Cancellation Coverage available for qualified borrowers
- Sep 27, 202616.75%▲ from 14.99%
- Sep 15, 202614.99%first recorded
As Low As
$200; As Low As
Davenport Personal Loan Rates
Published APR range: 8.50 - 17.50 %. Rates effective as of 12/15/2025; APR based on creditworthiness and term of loan
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Rates vary by individual credit and collateral conditions.
As Low As; APR with specific terms
As Low As; Rates Effective as of October 15, 2026; Rates subject to change. Please call for quote. Additional discounts may be available.
Effective Date: 10-16-26
Signature Loans (Personal Loans); Effective Date: 10-16-26; Advertised rate includes a 0.25% loyalty discount for qualifying borrowers and a 0.25% discount for direct deposit of at least $1,500.00 per month into a CUOne Rewards Checking account
As Low As; Personal Loan
Fixed, Min $5,000
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
Fixed, Min $20,000
As Low As; Apply Online; Unsecured loan term limits apply by loan amount (e.g., $5,000 and up: 60-month maximum term)
As Low As
As Low As; Rates effective as of 11/17/2023
Term: Fixed, Up to 60, 12 Months Per $1000
As Low As; Monthly payment example per $1000 borrowed: $26.53
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
Davenport Debt Consolidation Loan Rates
Maximum $5,000 - Call Credit Union For Eligibility; APR Type: Fixed
Davenport Signature Loan Rates
As Low As; APR range: 7.25% - 18.00%; Rates based on individual credit score and term selected; If ACH is not utilized, add .25% to APR
As Low As; Rate as high as: 15.00% APR
APR Range: 8.74% - 16.74%; Term/credit score determines rate
As Low As; Rate as high as: 15.50% APR
As Low As; Fixed
As Low As; Rate as high as: 16.00% APR
Term: 18 Month - 48 Month Terms; As Low As; No minimum loan amount; No collateral needed; Rates As Low As 9.25% Interest / 9.25% APR
As Low As; Rate as high as: 16.50% APR
Published APR range: 9.90% to 17.90%. Rates determined by credit score; Limits based on income and ability to pay if qualified; APR range 9.90% to 17.90%
As Low As; Rates as low as 9.90%
As Low As; Based on FICO Score; APR Type: Fixed; Starting at 9.99%
As Low As; Term Guidelines: For 72 Months at least $15,000.00+; For 60 Months at least $10,000.00+; For 48 Months at least $5,000.00+; For 36 Months can be less than $4,999.99
As Low As; Starting at 10.0% Annual Percentage Rate
Processing Fee (for funded loans): $97.00; Payment/$1,000: $87.99; Rates quoted for loan doc fees paid in cash and not financed
APR range: 10.24% - 17.99%; with applied discounts; Contact your Loan Officer for full details
Processing Fee (for funded loans): $97.00; Payment/$1,000: $46.45; Rates quoted for loan doc fees paid in cash and not financed
As Low As; Unsecured Loans
As Low As; Rate as high as: 17.50% APR
As Low As; Signature Loans, Rates as low as 10.75% APR
Up to $2,000; Unsecured loan
As Low As; Unsecured signature loan; rate subject to credit approval; $5 share account minimum not stated, $25 share account minimum applies per disclaimers
As Low As; APR* as low as 10.99%; rate based on creditworthiness and term of loan
Rates based on a minimum credit score of 700.
As Low As; Loan amount: $10,000 Maximum
As Low As
- Oct 4, 202611.49%▲ from 11.24%
- Sep 25, 202611.24%first recorded
As Low As; Up to 15% of gross annual income not to exceed $20,000.
As Low As; Personal Loans
Rates based on a minimum credit score of 700.
As Low As; Loan amount from $10,001 - $20,000
Up to $3,000; Unsecured loan
Amount: $3,500
As Low As; Rate Type: Fixed
Under $5,000; APR range: 14.99%-17.99%
Davenport, OK Personal Loan Rate Trends
Compare local Davenport, OK personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Oklahoma personal loan rates rose 0.034 points over the past 7 days to 11.068% APR.
Oklahoma signature loan rates rose 0.043 points over the past 7 days to 10.656% APR.
Davenport, OK Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Oklahoma figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current OK average personal loan APR of 11.07%, across the terms lenders serving Davenport, Oklahoma most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $233.20/mo | $163.86/mo | $129.39/mo | $108.88/mo |
| $10,000 | $466.40/mo | $327.71/mo | $258.79/mo | $217.77/mo |
| $15,000 | $699.59/mo | $491.57/mo | $388.18/mo | $326.65/mo |
| $25,000 | $1,165.99/mo | $819.28/mo | $646.97/mo | $544.41/mo |
| $35,000 | $1,632.38/mo | $1,146.99/mo | $905.75/mo | $762.18/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Davenport, Oklahoma
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the OK personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (OK average) | 11.07% | $388.18 | $3,633 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,517 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,052 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,644 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Davenport, Oklahoma
Prequalify With a Soft Credit Check
Most lenders serving Davenport, Oklahoma will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Oklahoma data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Davenport, Oklahoma auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Davenport, Oklahoma high-yield savings account costs nothing and earns interest instead of paying it
Oklahoma Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $388 monthly loan payment is roughly 11.6% of the median individual income in Oklahoma. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Davenport, Oklahoma.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1 to 3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3 to 5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current OK average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Davenport, Oklahoma personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Davenport, Oklahoma directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Davenport, Oklahoma. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in OK.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Personal Loans for Bad Credit in Davenport, Oklahoma
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
Frequently Asked Questions
What credit score do I need for a personal loan in Oklahoma?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Oklahoma?
Are credit unions or banks better for personal loans in Davenport, Oklahoma?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
Can I get a personal loan with bad credit in Davenport, Oklahoma?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Davenport, Oklahoma?
- Fort Sill Federal Credit Union: 6.99% (Personal "Whatever" Loan)
- OK Members First Federal Credit Union: 7.25% (Unsecured Signature Loan)
- Southwest Oklahoma Federal Credit Union: 8.25% (Signature Loan)
- Endurance Federal Credit Union: 8.50% (Personal Loans)
- Navy Federal Credit Union: 8.74% (Personal Loan - Up to 36 Months)
Davenport, Oklahoma Rates & Resources
Personal Loan Calculators
