Best Personal Loan Rates in Owasso, Oklahoma (OK) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Oklahoma borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Owasso, Oklahoma include: Communication Federal Credit UnionCommunication Federal Credit Union12312 E 86th St N, Owasso, OK, 74055 2543A5.0 ★Texas Ratio: 7.85% offering Storm Shelter Loan at 5.99% APR, Western Sun Federal Credit UnionWestern Sun Federal Credit Union14010 E 116th St N, Owasso, OK, 74055A+5.0 ★Texas Ratio: 3.72% offering Storm Shelter Loan at 8.99% APR, WeStreet Federal Credit UnionWeStreet Federal Credit Union8299 N Owasso Expy, Owasso, OK, 74055B4.4 ★Texas Ratio: 22.03% offering Signature Loan at 9.25% APR, TTCU Federal Credit UnionTTCU Federal Credit Union11725 E 96th St N, Owasso, OK, 74055 5355A+5.0 ★Texas Ratio: 5.15% offering Personal Loans at 11.24% APR, and American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union12411 E 96th St N, Owasso, OK, 74055A+5.0 ★Texas Ratio: 2.63% offering Signature Cash Back at 14.25% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Owasso has 5 local institutions in our database, with personal loan rates as low as 5.99% APR from Communication Federal Credit Union at 12312 E 86th St N, Owasso, OK, 74055 2543. Use the tabs below to compare all available personal loan types. Rates are continually updated — 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 Owasso, Oklahoma.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Owasso, 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: May 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
12312 E 86th St N, Owasso, OK, 74055 2543
Storm Shelter Loan
5.99%
▼
APR5.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedMay 14, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedMay 14, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Computer Loan
10.90%
▼
APR10.90%
Last UpdatedMay 14, 2026
Details
No additional details available.
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
11725 E 96th St N, Owasso, OK, 74055 5355
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedMay 14, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedMay 14, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedMay 14, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
12312 E 86th St N, Owasso, OK, 74055 2543
Signature
13.24%
▼
APR13.24%
Last UpdatedMay 14, 2026
Details
No additional details available.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
Signature Cash Back
14.25%
▼
APR14.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
12312 E 86th St N, Owasso, OK, 74055 2543
Flex Loan
15.65%
▼
APR15.65%
Last UpdatedMay 14, 2026
Details
No additional details available.
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
16.75%
▼
APR16.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Generator Loan
3.99%
▼
APR3.99%
Last UpdatedMay 14, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
4.00%
▼
APR4.00%
Last UpdatedMay 14, 2026
Details
SHARE SECURED
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Storm Shelter Loans
4.24%
▼
APR4.24%
Last UpdatedMay 14, 2026
Details
No additional details available.
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Shelter Loan
4.99%
▼
APR4.99%
Last UpdatedMay 14, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
5.00%
▼
APR5.00%
Last UpdatedMay 14, 2026
Details
SHARED SECURED
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
6.45%
▼
APR6.45%
Last UpdatedMay 14, 2026
Details
As Low As; Up to $10,000
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
6.95%
▼
APR6.95%
Last UpdatedMay 14, 2026
Details
As Low As; $10,001-$15,000
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
7.45%
▼
APR7.45%
Last UpdatedMay 14, 2026
Details
As Low As; $15,001-$25,000
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
8.45%
▼
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As; $25,001-$50,000
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR8.95%
Last UpdatedMay 14, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As; with specific terms.
APR9.90%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.90%
Last UpdatedMay 14, 2026
Details
No additional details available.
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Credit Builder Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
No credit check
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As; Based on FICO Score
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.19%
▼
APR10.19%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR10.45%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.69%
▼
APR10.69%
Last UpdatedMay 14, 2026
Details
No additional details available.
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedMay 14, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedMay 14, 2026
Details
As Low As; Up to 36 months (as low as)
APR10.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
11.19%
▼
APR11.19%
Last UpdatedMay 14, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
As Low As
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Stress Line Loan
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
As Low As; $10,000 Maximum
APR11.40%
Last UpdatedMay 14, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 14, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedMay 14, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
CREDIT BUILDER LOAN
12.25%
▼
APR12.25%
Last UpdatedMay 14, 2026
Details
CREDIT BUILDER
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedMay 14, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
APR13.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedMay 14, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured
13.30%
▼
APR13.30%
Last UpdatedMay 14, 2026
Details
As Low As
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedMay 14, 2026
Details
Under $5,000
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Payday - Quik Cash Loans
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR28.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
11725 E 96th St N, Owasso, OK, 74055 5355
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedMay 14, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedMay 14, 2026
Details
No additional details available.
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.95%
Last UpdatedMay 14, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As; with specific terms.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.45%
Last UpdatedMay 14, 2026
Details
As Low As
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 14, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedMay 14, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedMay 14, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedMay 14, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedMay 14, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedMay 14, 2026
Details
As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
12312 E 86th St N, Owasso, OK, 74055 2543
Signature
13.24%
▼
APR13.24%
Last UpdatedMay 14, 2026
Details
No additional details available.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
Signature Cash Back
14.25%
▼
APR14.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
8299 N Owasso Expy, Owasso, OK, 74055
Signature Loan
16.75%
▼
APR16.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR9.90%
Last UpdatedMay 14, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As; Based on FICO Score
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.19%
▼
APR10.19%
Last UpdatedMay 14, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.69%
▼
APR10.69%
Last UpdatedMay 14, 2026
Details
No additional details available.
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedMay 14, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedMay 14, 2026
Details
As Low As; Up to 36 months (as low as)
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
11.19%
▼
APR11.19%
Last UpdatedMay 14, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
As Low As; $10,000 Maximum
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedMay 14, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
APR13.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedMay 14, 2026
Details
Under $5,000
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MonitorBankRates
No home improvement personal loan rates found in Owasso, OK currently.
Owasso, OK Personal Loan Rate Trends
Compare local Owasso, 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.
Personal Loan — OK Avg
10.454%
▼ 0.354 vs 7 days ago
Oklahoma personal loan rates fell 0.354 points over the past 7 days to 10.454% APR.
Signature Loan — OK Avg
11.612%
▲ 1.179 vs 7 days ago
Oklahoma signature loan rates rose 1.179 points over the past 7 days to 11.612% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Oklahoma?
Most lenders in Owasso, Oklahoma require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Oklahoma often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Owasso, Oklahoma require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Oklahoma?
Yes. Debt consolidation is one of the most common uses of personal loans in Owasso, Oklahoma. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Owasso, Oklahoma?
Credit unions in Owasso, Oklahoma often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Owasso, Oklahoma?
- Communication Federal Credit Union: 5.99% (Storm Shelter Loan)
- Western Sun Federal Credit Union: 8.99% (Storm Shelter Loan)
- WeStreet Federal Credit Union: 9.25% (Signature Loan)
- TTCU Federal Credit Union: 11.24% (Personal Loans)
- American Airlines Federal Credit Union: 14.25% (Signature Cash Back)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Owasso, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.
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