Okla. Stat. tit. 14A, § 14A-3-402: Balloon payments

With respect to a consumer loan, other than one pursuant to a

revolving loan account, if any scheduled payment is more than twice

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

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 debtor than the terms of the original loan.

These provisions do not apply to the extent that the payment

schedule is adjusted to the seasonal or irregular income of the

debtor.