Okla. Stat. tit. 14A, § 14A-2-206: Credit service charge on consolidation

If a buyer owes an unpaid balance to a seller with respect to a

consumer credit sale, refinancing, or consolidation, and becomes

obligated on another consumer credit sale, refinancing, or

consolidation, with the same seller, the parties may agree to a

consolidation resulting in a single schedule of payments pursuant to

either of the following subsections:

(1) The parties may agree to refinance the unpaid balance with

respect to the previous sale pursuant to the provisions on

refinancing (Section 2-205) and to consolidate the amount financed

resulting from the refinancing by adding it to the amount financed

with respect to the subsequent sale. The seller may contract for

and receive a credit service charge based on the aggregate amount

financed resulting from the consolidation at a rate not exceeding

that permitted by the provisions on credit service charge for

consumer credit sale (Section 2-201).

(2) The parties may agree to consolidate by adding together the

unpaid balances with respect to the two sales.