Okla. Stat. tit. 14A, § 14A-5-107: Extortionate extensions of credit

(1) If it is the understanding of the creditor and the debtor

at the time an extension of credit is made that delay in making

repayment or failure to make repayment could result in the use of

violence or other criminal means to cause harm to the person,

reputation, or property of any person, the repayment of the

extension of credit is unenforceable through civil judicial

processes against the debtor.

(2) If it is shown that an extension of credit was made at an

annual rate exceeding forty-five percent (45%) calculated according

to the actuarial method and that the creditor then had a reputation

for the use or threat of use of violence or other criminal means to

cause harm to the person, reputation, or property of any person to

collect extensions of credit or to punish the nonrepayment thereof,

there is prima facie evidence that the extension of credit was

unenforceable under subsection (1), unless such rate was otherwise

lawful under any provision or provisions of this act.