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Personal Loans That Work for You

Personal Loans That Work for You
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Flexible, Competitive, and Designed for
Life’s Big Moments

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Whether you’re consolidating debt, funding home improvements, or covering unexpected expenses, Oklahoma Central Credit Union offers smart, flexible personal loans tailored to your financial needs.

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  • Competitive Rates

    Enjoy rates as low as 10.99% APR*, ensuring affordable monthly payments.

  • Flexible Loan Amounts

    Borrow up to $25,000 to suit your specific financial requirements.

  • No Prepayment Penalties

    Pay off your loan early without incurring additional fees.

  • Easy Application Process

    Apply online, visit a branch, or call us at 918.664.6000 for a seamless experience.

Finance What
Matters Most

  • Debt Consolidation

    Combine multiple high-interest debts into a single manageable payment, simplifying your finances

  • Home Improvements

    Fund renovations, repairs, or upgrades to enhance your living space and increase property value.

  • Educational Expenses

    Cover tuition, books, or other school-related costs to invest in your or your family’s future.

  • Unexpected Expenses

    Address unforeseen medical bills, car repairs, or other emergencies with confidence.

Apply Now
Smiling staff member at Oklahoma Central Credit Union
Smiling staff member at Oklahoma Central Credit Union

Which Loan is
Right for You?

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Unsecured Personal Loans

  • Competitive Interest Rates – As low as 10.99% APR*.
  • No Collateral Needed: Your signature is your security.
  • Loan Terms Up to 60 Months: Choose a repayment period that aligns with your budget.
  • Loan Amounts up to $25,000 – Borrow what you need for major expenses.
  • No Repayment Penalty – Pay on your terms.
  • Debt Protection Available – A safety net for the unexpected.

Secured Personal Loans

  • Competitive Interest Rates: Use your savings or certificate accounts as collateral to access reduced rates.
  • Credit-Building Opportunity: Ideal for establishing or rebuilding your credit profile responsibly.
  • Flexible Loan Amounts: Borrow amounts starting from $500, with terms up to 60 months.
  • Flexible Repayment Options – Affordable terms designed to fit your goals.
  • Debt Protection Available – A safety net for the unexpected.
Portrait of a professional advisor at Oklahoma Central Credit Union.
Portrait of a professional advisor at Oklahoma Central Credit Union.
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Why Choose OCCU?

OCCU is committed to responsible lending and helping our members achieve their financial goals. With personalized service, local expertise, and loan options built for real people, we make financing simple and stress-free.

  • Named to Newsweek’s America’s Best Regional Banks and Credit Unions 2025.
  • Member-focused lending with competitive rates and no hidden fees.
  • Fast, secure application with quick decisions.
  • Financial guidance to help you make the best borrowing choices.
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Smiling man holding laptop, celebrating online banking success.
Smiling man holding laptop, celebrating online banking success.
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Take the Next Step Towards Financial Flexibility

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Ready to achieve your financial goals? Applying for an OCCU personal loan is simple:

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  • Apply Online

    Complete our secure application form from the comfort of your home.

  • Visit a Branch

    Find your nearest OCCU branch for in-person assistance. We’re here to help!

  • Contact Us

    Call 918.664.6000 to speak with a knowledgeable representative.

Apply Now
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*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/25 and 42-month financing. A $10,000 loan, at 10.99% APR with 42 monthly payments will be $288 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

**Oklahoma Central Credit Union provides personal loans to assist with a variety of expenses, including but not limited to medical expenses. The allocation of loan funds is at the sole discretion of the loan holder. Please note that our institution does not offer medical advice or billing guidance. For any medical-related inquiries, consult a qualified healthcare professional.