Personal loans in Denton, MD
Denton is a small community in Maryland, with an estimated 4,979 residents, and every licensed lender here follows the same state rulebook. An estimated 4,979 people make their home in Denton, a figure that ranks 45th in Maryland.
Compare APR, not the interest rate, because the APR folds in most fees on a Denton loan. The trend for Denton between 2020 and 2023 is upward by roughly 2.8%. A single loan can carry different costs on either side of a state line, and Denton sits on the Maryland side of that line. A larger market lies at Easton, MD about 15 miles away.
Local context for Denton
The figures below are Denton's own — Census population, land area and coordinates — followed by the Maryland rules.
- Population: 4,979 — Denton ranks 45th of 157 communities in Maryland (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 2.8%.
- People gained or lost: about 136 more since the 2020 base.
- Size percentile: Denton sits ahead of around 71% of Maryland places, at 4,979 people.
- Density: roughly 945 residents per square mile, spread over 5.3 sq mi of land.
- By land area: Denton ranks 19th among Maryland's 157 places, at 5.3 sq mi.
- Water: Denton holds about 0.09 square miles, the 20th-largest water area in Maryland.
- State share: roughly 0.3% of Maryland's residents live in Denton (4,979 people).
- National rank: Denton is the 4,833rd most populous of the 19,457 Census places covered here.
- Growth in Maryland: Denton stands 24th by percentage change from 2020 to 2023, among 157 places.
- Against the state trend: Denton's 2.8% change compares with a Maryland average of +0.7% across its 157 places.
- Density rank: Denton is the 122nd most densely settled place in Maryland.
- Density vs Maryland: Denton's 945 people per square mile compare with a state median of 1,734.
- Location: 38.8794, -75.8245 (Census Gazetteer coordinates).
- Nearest larger cities: Easton (15 mi); Seaford (19 mi); Milford (22 mi); Dover (25 mi); Cambridge (26 mi). Living near a larger metro rarely changes what is available in Denton.
- Nearest smaller places: Ridgely (6 mi); Greensboro (7 mi); Hillsboro (7 mi).
- Smaller places within 50 miles: 87 of them.
- Within 100 miles: 148 places are larger than Denton.
Where Denton sits
Inside Denton's boundaries lie roughly 5.3 square miles of land and 0.09 square miles of water. The resulting density is about 945 people per square mile. Baltimore, the largest place in Maryland, is about 51 miles from Denton. Denton has 18 larger places within a 50-mile radius. Within the same 50 miles lie 87 smaller Census places.
Which Maryland laws govern a loan in Denton
Read the table as a lender's compliance picture for Denton: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 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 |
What is available to Denton borrowers
With about 945 residents per square mile, Denton is moderately settled, and 18 larger Census places sit within 50 miles. A Maryland licence lets a lender serve Denton without a local office, so branch density does not change what its 4,979 residents are offered. The nearest larger city, Easton, MD about 15 miles away.
Steps to take before a Denton loan
These steps shape the offer you get in Denton, a place of about 4,979 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the Maryland licence with the regulator named above before committing.
- Weigh a shorter term's higher payment against the interest it saves.
- 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 Denton holds 4,979 people.
How Denton compares across Maryland
Among Maryland's 157 places, Denton sits at 45th for population, a share of roughly 0.3% of the state. Its 2020-to-2023 change ranks 24th of 157 Maryland places, putting it near the 85th percentile for growth. Its roughly 945 residents per square mile place it 122nd among Maryland's places. Between 2020 and 2023 the count changed by roughly 136 residents.
Common questions
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Nearby places
- Ridgely, MD — population 1,611
- Greensboro, MD — population 1,925
- Hillsboro, MD — population 133
- Queen Anne, MD — population 190
- Goldsboro, MD — population 210
- Preston, MD — population 676
- Federalsburg, MD — population 2,804
- Henderson, MD — population 160