When Oprah Winfrey gets stiffed on a loan ... she NEVER ends up in small claims court because when she loans loot she goes big.
TMZ got Oprah leaving The Jefferson hotel in Georgetown Sunday with Stedman and Gayle. The camera guy -- who is awesome -- asked Oprah 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.
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