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Personal loans in Havre de Grace, MD

From the 2020 Census base to the 2023 estimate, the population rose by about 1.5%. Havre de Grace counts about 15,032 people, and what is genuinely local about borrowing here is limited — Maryland law does the governing. The Census counts 15,032 people in Havre de Grace, the 19th-largest figure among Maryland's 157 places. The next larger city is Aberdeen, MD about 4 miles away. A single loan can carry different costs on either side of a state line, and Havre de Grace sits on the Maryland side of that line. Work out your debt-to-income ratio first; lenders weigh it heavily, and Havre de Grace's 15,032 residents are no exception.

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

Compare loan offers Run the numbers first

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.

What the Census records for Havre de Grace

Havre de Grace is a small town; the notes below cover its population profile and the statewide rules that apply.

Havre de Grace: area, density and distance

The Census Gazetteer records 5.9 square miles of land and 0.43 square miles of water within Havre de Grace. The resulting density is about 2,531 people per square mile. For the state's biggest city, Baltimore, the distance is roughly 32 miles. Counting outward 50 miles, 15 larger communities surround Havre de Grace. Within the same 50 miles lie 134 smaller Census places.

Havre de Grace in state context

Within Maryland, Havre de Grace holds roughly 1.0% of all residents, the 19th-largest share among 157 places. For population change between 2020 and 2023, Havre de Grace ranks 41st of 157 in Maryland (about the 74th percentile). By density, at about 2,531 people per square mile, it ranks 55th in Maryland. The population moved by about 227 people between 2020 and 2023, a 1.5% shift.

The state rulebook for Havre de Grace

These are Maryland's sourced lending facts as they reach Havre de Grace's 15,032 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensingConsumer 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
OFR consumer-loan interest-rate limits2.75%/month (33%/yr) on the first $1,000 of a loan ≤$2,000; 2%/month (24%/yr) thereafter and on loans over $2,000
Source says: "Maximum interest rate allowed by law is 2.75% per month or an annual interest rate of 33%"		Maryland Department of Labor, Office of Financial Regulation
as of 2026-09-16

Borrowing reach in Havre de Grace

Havre de Grace is a fairly dense community of about 15,032 people, with 15 larger places inside a 50-mile radius. Lenders licensed in Maryland reach Havre de Grace's 15,032 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Aberdeen, MD about 4 miles away.

How a Havre de Grace personal loan is priced

With roughly 15,032 residents, Havre de Grace is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Havre de Grace lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Havre de Grace loan is knowable in advance — unlike a revolving card balance.

Compare personal loan offers Run the numbers first

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 Havre de Grace 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 Havre de Grace is the same as anywhere in Maryland.
What loan size can I expect in Havre de Grace?
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 Havre de Grace?
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 Havre de Grace 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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