Personal loans in Centreville, MD

The Census estimates 4,745 residents in Centreville, which ranks it 47th of 157 places in Maryland. With roughly 4,745 residents, Centreville is a small community, and the lending rules its borrowers live under are written in Maryland, not by the city. Begin with the payment, then weigh APR and total interest across the lenders that reach Centreville's 4,745 residents. For the 4,745 people in Centreville, Maryland runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Census figures put the 2020-to-2023 increase in Centreville at about 0.5%. A larger market lies at Chestertown, MD about 12 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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Where Centreville stands

Set out below is Centreville's local context next to the state-level rules that reach every lender here.

Population: a Census-estimated 4,745, 47th among Maryland's 157 places (Vintage 2023).
Population trend: A gain of roughly 0.5% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a gain of about 22 residents.
Size percentile: roughly 70% of Maryland's places have fewer residents than Centreville's 4,745.
Land and density: 2.7 square miles of land carry roughly 1,734 residents per square mile.
Land area: Centreville covers 2.7 square miles, the 39th-largest area among Maryland's 157 places.
Within Maryland: about 0.3% of the state's population lives in Centreville.
National rank: Centreville is 4,980th of 19,457 places nationwide.
Growth rank: Centreville's 2020-to-2023 change ranks 62nd of 157 places in Maryland.
Against the state trend: Centreville's 0.5% change compares with a Maryland average of +0.7% across its 157 places.
Density rank: Centreville is the 79th most densely settled place in Maryland.
Density in context: Centreville's 1,734 people per square mile sit against a Maryland median of 1,734.
Location: 39.0423, -76.0625 (US Census Bureau Gazetteer).
Nearest larger cities: Chestertown (12 mi); Denton (17 mi); Easton (18 mi); Annapolis (24 mi); Smyrna (30 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller towns: Queenstown (7 mi); Church Hill (8 mi); Queen Anne (10 mi) — useful context for the surrounding area.
Within a 50-mile radius: 86 smaller Census places.
Larger places within 100 miles: 173.

How Centreville compares across Maryland

Set beside Maryland's 157 places, Centreville ranks 47th by population and holds about 0.3% of the state total. Its 2020-to-2023 change ranks 62nd of 157 Maryland places, putting it near the 61th percentile for growth. Its roughly 1,734 residents per square mile place it 79th among Maryland's places. In land area, Centreville ranks 39th among Maryland's 157 places.

How personal loans work in Centreville

In Centreville, a small community of about 4,745, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Centreville. A longer term lowers the monthly payment on a Centreville loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Centreville borrowers

Centreville is moderately settled, with about 1,734 people per square mile and 31 larger places within 50 miles. Distance to a branch rarely matters for Centreville's 4,745 residents: the application is online and the price follows your credit file. The nearest bigger place is Chestertown, MD about 12 miles away.

Maryland rules behind a Centreville personal loan

The rows below set out what a licensed lender must follow in Maryland, and so for Centreville's roughly 4,745 residents.

Rule	Detail	Source
State lending regulator	Office of Financial Regulation; Commissioner of Financial Regulation (Maryland Department of Labor) Source says: "is Maryland's consumer financial protection agency and financial services regulator"	Maryland Department of Labor as of 2026-09-16
Payday lending status	Regulated as consumer loans: licensing and statutory interest-rate limits apply to payday-style loans (OFR) Source says: "they are prohibited from charging or receiving an interest rate that is greater than authorized by the laws of this State"	Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16
Small-loan / installment lender licensing	Consumer Lender license required to make loans under the Maryland Consumer Loan Law (Com. Law § 12-301 et seq.) Source says: "A Consumer Lender is a business that makes any loan or advance of money or credit under the Maryland Consumer Loan Law"	Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16

Before you apply in Centreville

These steps shape the offer you get in Centreville, a place of about 4,745 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Price the payment first with our personal loan calculator before any lender quotes you.
Line up several pre-qualified offers and let the APR decide.
Make sure the lender appears in the Maryland regulator's licence list.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Keep the amount to the expense; an approval is not a reason to take more.
Be clear on what the loan is for and how it gets repaid.

The process is identical across Maryland; what changes is your credit file, not the fact that Centreville holds 4,745 people.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Centreville if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Centreville is the same as anywhere in Maryland.

What loan size can I expect in Centreville?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Centreville?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Centreville cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Queenstown, MD — population 739
Church Hill, MD — population 819
Queen Anne, MD — population 190
Hillsboro, MD — population 133
Chestertown, MD — population 5,590
Ridgely, MD — population 1,611
Rock Hall, MD — population 1,189
Barclay, MD — population 181