Oprah Winfrey -- Bank On Me And You'll Get $50K!!! [VIDEO]

When Oprah Winfrey gets stiffed on a loan ... she NEVER ends up in small claims court, because when she loans loot she goes big.

We got Oprah leaving The Jefferson hotel in Georgetown Sunday with Stedman and Gayle. Our camera guy -- who is awesome -- asked O ... when she gets hit up for money how much do people typically want?

Oprah is even awesomer ... she makes it clear people often make requests not on need but on her incredible wealth.