Personal loans in Crisfield, MD

The first question in Crisfield is not the rate on offer but whether the payment fits; about 2,486 people live here under Maryland lending law. Census figures put the 2020-to-2023 increase in Crisfield at about 0.7%.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

An estimated 2,486 people make their home in Crisfield, a figure that ranks 66th in Maryland. Rate-shopping from Crisfield costs nothing at pre-qualification, where a soft pull leaves your credit file alone. For the 2,486 people in Crisfield, Maryland runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger metro is Pocomoke City, MD about 17 miles away.

Borrowing in Crisfield: the local picture

What follows is Crisfield's place in the Census record, alongside the Maryland rules that govern a personal loan made here.

The Crisfield borrowing checklist

Before you hand your details to a lender in Crisfield, where the population is near 2,486:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Maryland licence by checking the regulator named above.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Crisfield as elsewhere in Maryland, the written terms — not the advertisement — are what count for its 2,486 residents.

Where Crisfield sits

Inside Crisfield's boundaries lie roughly 1.7 square miles of land and 1.44 square miles of water. That land carries about 1,432 people per square mile. Baltimore, the largest place in Maryland, is about 100 miles from Crisfield. Within 50 miles of Crisfield there are 13 larger Census places. The 100-mile radius contains 83 larger places.

Which Maryland laws govern a loan in Crisfield

The rows below set out what a licensed lender must follow in Maryland, and so for Crisfield's roughly 2,486 residents.

RuleDetailSource
State lending regulatorOffice 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
Maximum legal interest rate (usury cap)24% per year effective simple interest for qualifying loans (Md. Code Com. Law § 12-103(c)); otherwise 8% (written agreement) or 18%
Source says: "a lender may charge an effective rate of simple interest not in excess of 24 percent per year on the unpaid principal balance"
Maryland General Assembly
as of 2026-09-16
Payday lending statusRegulated 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

Crisfield's place among Maryland's 157 places

Against Maryland's other places, Crisfield accounts for about 0.2% of the state's population and ranks 66th of 157 by size. On the 2020-to-2023 trend, Crisfield stands 57th among Maryland's 157 places — roughly the 64th percentile. By density, at about 1,432 people per square mile, it ranks 99th in Maryland. Within 50 miles sit 40 smaller Census places, alongside the 13 that are larger.

How personal loans work in Crisfield

With roughly 2,486 residents, Crisfield is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Crisfield. Shortening the term on a Crisfield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Crisfield 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 Crisfield is the same as anywhere in Maryland.
What loan size can I expect in Crisfield?
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 Crisfield?
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 Crisfield 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.

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