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Part of the LendNation chain · locations
LendNation in Moore, OK
Moore, OK's LendNation location at 531 SW 4th St provides payday and title loans with same-day service.
Data compiled from public sources · Rating from CreditDoc methodology
LendNation Review
LendNation's Moore, OK branch sits on SW 4th Street in the heart of Moore's business district, providing a dedicated storefront for residents needing quick cash solutions. The location is open Monday through Friday from 9 AM to 5 PM, making it convenient for local workers and business owners during standard business hours. This standalone LendNation location serves Moore residents with both payday loans and auto title loans in a professional, accessible setting.
At this Moore storefront, LendNation offers payday advances for immediate cash needs and auto title loans for those with vehicle equity. The on-site team can guide you through the application process and explain repayment options tailored to your situation. For questions or to discuss your loan needs, call the Moore branch directly at 405-794-0305.
If you're a Moore resident facing an unexpected expense or short-term cash gap, bring a valid ID, proof of income (recent paystubs or bank statements), and details about any vehicle if you're interested in a title loan. LendNation processes applications quickly, often completing loans the same day. The team at this location understands Moore's local lending needs and works to make the process straightforward.
Services & Features
Bill payment services
Check cashing services
Direct deposit options
In-store and online loan applications
Insight Mobile Banking cards
Instant debit card funding (same-day cash access)
Money orders
Multi-pay installment loans (up to 36 months; bi-weekly, semi-monthly, or monthly payments)
Online payday loans (apply online with instant pre-approval)
Payday loans ($100-$1,000 short-term loans due at next payday)
Title installment loans (longer-term title loans with scheduled payments)
Title loans (secured by vehicle; available for cars, trucks, motorcycles, boats, ATVs, RVs depending on state)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Instant debit card funding option allows same-day cash access without waiting for bank deposits
- Multi-pay installment loans extend repayment up to 36 months with flexible payment schedules (bi-weekly, semi-monthly, monthly)
- 200+ physical locations across 11 states plus online lending provides accessibility for in-person and remote borrowers
- Pre-approval decisions provided instantly after online application submission
- Title loan option allows borrowing against vehicle equity while keeping the car; may offer lower rates and longer terms than payday loans
- Check cashing and money order services available at locations for additional financial services
- Strong customer satisfaction: 4.8/5 Google rating from 161 reviews at San Antonio location
- Extended business hours (9 AM–6 PM weekdays, 9 AM–1 PM Saturday) increase accessibility
Cons
- High-cost debt: Payday loans and title loans typically carry APRs that far exceed 36%, making them expensive compared to personal loans or credit alternatives
- Short default terms on payday loans (typically due at next payday) create significant repayment pressure and risk of rollover debt cycles
- State-specific availability means products, rates, and terms vary widely; consumers may find limited options or higher costs in their state
- Title loan risk: Using vehicle as collateral means default can result in vehicle repossession, threatening transportation access
- Installment loans up to 36 months, while longer-term than payday loans, still carry rates substantially higher than traditional bank loans or credit unions
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is LendNation legitimate?
Yes. LendNation is a registered company, headquartered in 531 SW 4th St, Moore, OK 73160.
Quick Facts
- Headquarters
- 531 SW 4th St, Moore, OK 73160
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on LendNation
LendNation is best suited for borrowers in a financial emergency who prioritize speed and convenience over cost, have reliable income to repay, and either lack access to traditional credit or need funds faster than banks provide. The critical caveat is that payday and title loans are high-cost debt solutions; borrowers should explore credit union PALs, employer advances, or personal loans first, as these typically carry substantially lower rates and represent safer financial choices for emergency needs.
Best For
- Borrowers facing unexpected expenses with immediate cash needs (medical emergencies, car repairs, utility bills) who need same-day or next-day funding
- Vehicle owners with poor credit seeking collateral-based loans with potentially lower rates than payday alternatives
- Individuals who prefer in-person lending and want to discuss loan options face-to-face with local loan officers
- Borrowers who need flexibility beyond traditional payday terms and can handle 36-month installment repayment schedules
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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