Okla. Stat. tit. 14A, § 14A-2-104

(1) Except as provided in subsection (2), "consumer credit

sale" is a sale of goods, services or an interest in land in which

(a) credit is granted by a person who regularly engages as

a seller in credit transactions of the same kind;

(b) the buyer is a person other than an organization;

(c) the goods, services or interest in land are purchased

primarily for a personal, family or household purpose;

(d) either the debt is payable in installments or a credit

service charge is made; and

(e) with respect to a sale of goods or services, the

amount financed does not exceed Fifty Thousand Dollars

($50,000.00). The dollar amount in this paragraph

shall be adjusted annually as indicated by the

Consumer Financial Protection Bureau by the annual

percentage increase in the Consumer Price Index for

Urban Wage Earners and Clerical Workers, as published

by the Bureau of Labor Statistics, rounded to the

nearest multiple of One Hundred Dollars ($100.00) or

One Thousand Dollars ($1,000.00) as applicable.

(2) Unless the sale is made subject to the Uniform Consumer

Credit Code by agreement (Section 2-601), "consumer credit sale"

does not include

(a) a sale in which the seller allows the buyer to

purchase goods or services pursuant to a lender credit

card or similar arrangement; or

(b) except as provided with respect to disclosure (Section

2-301) and debtors' remedies (Section 5-201), a sale

of an interest in land if the credit service charge

does not exceed thirteen percent (13%) per year

calculated according to the actuarial method on the

unpaid balances of the amount financed on the

assumption that the debt will be paid according to the

agreed terms and will not be paid before the end of

the agreed term.