Personal Loans and Lines of Credit 

You’ve decided you need a loan but, like most people, you’re not sure what loan is best. Talk to one of our Product Specialists and let us help you make the decision that’s best for your specific need.

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Our Most Convenient Loan

If you have excellent credit, a Bank of Oklahoma personal line of credit is a great way to get quick access to cash when you need it. You can simply write a check out of your line of credit for whatever you need, whenever you need it. And with our one-time approval, there's no need to reapply each time you need additional funds. You simply advance on your approved credit line at your convenience.

Download our Simple Guide

Finance almost anything with a personal loan

If you’re looking to finance a large purchase, pay down high-interest debt, take a special vacation or pay for an unexpected expense, a personal loan – also called an unsecured loan – is what you’re looking for.

  • It does not require collateral, so is a good idea if you don’t want to use the equity in your home or car
  • It offers competitive rates and flexible payment options
  • It is a good choice if you need your funds quickly. Without collateral to evaluate, the overall process becomes shorter.

You've got options

Sometimes there are better options for achieving your goals than a personal loan, and our team will always advise you if we believe there is a better solution for your specific need. Personal loans may carry higher interest rates, so it may be less expensive for you to borrow money by using collateral like your home or your car. In such cases, we may recommend a home equity loan or line of credit, or an auto loan to help you get the best possible rate and terms.

Get cash faster with your personal line of credit

What's the fastest way to get a loan? Write yourself a check from your own personal line of credit! If you have excellent credit, a personal line of credit is a great way to get quick access to cash when you need it.

How to Apply

Visit one of our Banking Centers or call our ExpressBank at (800) 234-6181 if that's easier. Once you've finalized your loan, you can start using your line of credit right away to pay down higher interest debt, make a big purchase or finally take that dream vacation.

Get the Simple Guides

Our simple guides provide useful information about each of our lending products in an easy-to-follow format, to help you make the most of your loan or line of credit. Download them below.

Download our Simple Guide to Personal Installment Loans

Download our Simple Guide to Personal Lines of Credit

Related Information

Loan Rates

Find up-to-date interest rate information on all our loans.

Overdraft Protection

Never worry about overdrafting your checking account.

Related Products and Services

Looking for a loan for a specific purpose, like buying a house or car? If a personal line of credit isn't quite right for you, we have a variety of other products to choose from.