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Liberty Finance, Inc.
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    • Home
    • Referral Program
    • Online and Mobile Loans
    • Liberty Finance Tahlequah
    • Liberty Finance Okmulgee
    • Careers
    • Rates and Terms
Liberty Finance, Inc.
  • Home
  • Referral Program
  • Online and Mobile Loans
  • Liberty Finance Tahlequah
  • Liberty Finance Okmulgee
  • Careers
  • Rates and Terms

Loan Rates and Fee Information

Liberty Finance is a supervised lender that is regulated by the Oklahoma Department of Consumer Credit.  Liberty Finance uses the loan interest rates determined by the Oklahoma Department of Consumer Credit.

Fees and terms

Loan Fees

Acquisition Charge

Liberty Finance charges an acquisition charge on our loans.  This rate is regulated by the Oklahoma Department of Consumer Credit and is currently set at 10% of the loan principal.  As of July 1, 2024, the acquisition charges range from $20 to $200.  You will find all fees listed on your loan contract.

Late Payment Fees

A late fee is applied to your account if a payment is made after our 10 day grace period.  Our late fee is $32 or 5% of the payment, whichever is greater.  The late fee information is listed on your loan contract.

Non-sufficient Funds (NSF) Fees

Liberty Finance will charge a flat NSF fee of $25 if a check or debit payment is returned for insufficient funds (NSF).  The NSF fees are listed on your loan contract.


Loan Amounts

Liberty Finance offers installment loans from $200 to $2,000 in the state of Oklahoma. Loan approval is based on responsible credit history and the ability to pay.* Our most popular loans are listed below with terms and fees as of July 1, 2024. There are no penalties for any loans paid off early. If you have questions about other loan amounts, please give us a call or take a look at the Oklahoma Department of Consumer Credit Loan Rate Chart linked below.

$200 Starter Loan

Number of Months/Payments: 5 months

APR: 209.06%

Payment Amount: $63.12

$500

Number of Months/Payments: 10 months

APR: 116.96%

Payment Amount: $80.49

$1,000

Number of Months/Payments: 12 months

APR: 79.74%

Payment Amount: 11 payments of $123.53 and 1 of $123.49

$2,000

Number of Months/Payments: 16

APR: 60.15%

Payment Amount: $184.70

*All loans subject to our normal credit policies.

Oklahoma Department of Consumer Credit Loan Rate Chart

complete list of rates

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