Okla. Stat. tit. 14A, § 14A-2-405: Balloon payments

With respect to a consumer credit sale, other than one pursuant

to a revolving charge account, if any scheduled payment is more than

twice as large as the average of earlier scheduled payments, the

buyer has the right to refinance the amount of that payment at the

time it is due without penalty. The terms of the refinancing shall

be no less favorable to the buyer than the terms of the original

sale. These provisions do not apply to the extent that the payment

schedule is adjusted to the seasonal or irregular income of the

buyer.