Kent Finance, E 11th
Signature loans
Weekday office hours; check required documents
Independent provider directory
Choose a Tulsa payment schedule before arranging cash pickup
Kent Finance and Ardmore Finance publish Tulsa contacts for signature or installment borrowing. The first useful comparison is not “which says fast?” It is whether the offered cash, payment dates and method of receiving funds match your need. The Ardmore branch describes office pickup; do not turn an online form into an assumed bank deposit.
Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.
Ardmore Finance, E 31st
Installment loans
Branch page describes in-office receipt of funds
Contacts and published service information
These are third-party businesses, not Bottom Dollar offices. Read the product label and any address or hours warning before visiting.
Tulsa
Kent Finance — East 11th Street
1519 E 11th St, Room 140, Tulsa, OK 74120
Signature-loan contact. Published office hours: Monday–Friday 9 AM–5:30 PM; Saturday and Sunday closed. Ask for the actual payment schedule, documents and amount available after any charges. [K03]
Tulsa
Ardmore Finance — East 31st Street
4419 E 31st St, Tulsa, OK 74135-2130
Installment-loan contact. The branch page publishes Monday–Friday 9 AM–5:30 PM and Saturday 8 AM–noon; Sunday was not stated. It describes receiving funds at the selected office rather than by direct deposit. Confirm current collection arrangements before visiting. [K04]
The map is requested from Google only after you press the button. It searches the displayed place or area; it does not verify a business profile or a license.
Choose your next step
I need the same cash with a lower monthly payment
Ask for written quotes using the same net proceeds. Compare the number of months and total cash paid as well as the installment. A longer term can reduce the monthly amount while increasing the total.
I can submit information online but cannot visit
Ask before applying whether the entire process can be completed remotely. Ardmore’s Tulsa page describes coming to the selected office for funds; another branch’s policy cannot establish this one’s process. [K04]
My income arrives on changing dates
Ask which date the first installment would be due and whether the creditor offers another date before signing. A calendar date is not flexible just because your earnings are irregular. Use an income floor rather than the best recent month.
Know what each contact actually describes
| Tulsa contact | Published service | Visit decision |
|---|---|---|
| Kent Finance, E 11th | Signature loans | Weekday office hours; check required documents |
| Ardmore Finance, E 31st | Installment loans | Branch page describes in-office receipt of funds |
These are third-party companies. The contacts do not certify a live lending license, a payday product, a guaranteed amount or same-day approval. Use the exact office phone for any requirements that affect a trip. [K03] [K04]
Compare two quotes at equal net proceeds
Keep the money actually received identical in the comparison. If one quote deducts a fee, its face amount may need to be larger to provide the same cash. Add fees paid separately only once. The following illustration assumes no extra charges and identical $600 net proceeds; it is not a quote from either company.
Lower installment, higher total
| Hypothetical offer | Net cash | Payments | Total paid |
|---|---|---|---|
| A | $600 | 6 × $125 | $750 |
| B | $600 | 9 × $90 | $810 |
Offer B reduces the monthly payment by $35 but adds $60 to the total and three more monthly obligations. The differences between payments and net cash are $150 for A and $210 for B. These are simple cash-cost comparisons, not APR calculations. A lower installment helps only if it fits the months when it is due and the added cost is acceptable.
Separate application, review, signing and receipt
Submitting information starts a process; it does not mean the money has been provided. Find out whether the creditor needs more evidence, a signature or an office visit before release. If funds are issued by check, ask how you can access them and whether another institution imposes a hold or fee. Ardmore’s stated office-collection policy is particularly relevant when arranging transport. [K04]
Match Oklahoma licensing to the contract
Oklahoma regulates supervised lenders and small lenders as distinct categories. Neither “signature loan” nor a monthly-payment advertisement proves which authority applies. Ask for the full creditor name and current license record, then compare the contract’s APR and payment disclosures. Do not assume that a small-lender limit applies to all consumer installments in the state. [L04] [L05]
Finish with one usable payment calendar
Write down each payment date alongside rent, utilities, transport and existing credit commitments. Check whether the first installment comes before the next income receipt. When a quote does not fit, ask about a smaller amount or choose not to proceed; an unapproved future refinance is not a repayment plan. Existing customers should request balance and payoff information from the company already on their agreement.
Questions before continuing
Does either contact guarantee direct deposit?
No. Ardmore’s Tulsa page describes in-office collection, while the exact current funding method should be confirmed with each creditor. [K04]
Can I use the two example offers as advertised rates?
No. They are hypothetical cash-flow comparisons and do not represent either operator’s pricing.
Does a signature loan automatically mean no credit review?
No. Ask what the creditor checks and when; a product label is not an inquiry disclosure.
Related decisions
Company profiles for this city
These profiles may cover different providers or products from the contacts above. Open the profile for its service type and any unresolved address or operating details.
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
