Personal loans in Highland Beach, MD

Highland Beach's population was effectively unchanged from the 2020 count to the 2023 estimate. With roughly 106 residents, Highland Beach is a small community, and the lending rules its borrowers live under are written in Maryland, not by the city. Highland Beach is home to roughly 106 people and stands 151st by size out of 157 Census places in Maryland. The nearest larger metro is Annapolis, MD about 4 miles away. A lender that serves Highland Beach operates under Maryland lending statutes and a Maryland supervisor. Judge Highland Beach offers on total cost, not on how quickly the money arrives.

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

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Borrowing in Highland Beach: the local picture

Highland Beach is a small community; the notes below cover its population profile and the statewide rules that apply.

Population: a Census-estimated 106, 151st among Maryland's 157 places (Vintage 2023).
Population trend: Stable from the 2020 base to 2023.
Size percentile: with 106 residents, Highland Beach is larger than about 4% of Maryland's Census places.
Density: the Census land area of 0.1 sq mi holds about 1,860 people per square mile.
Land area: Highland Beach covers 0.1 square miles, the 155th-largest area among Maryland's 157 places.
Share of Maryland: Highland Beach holds about 0.0% of the state's population, some 106 people.
Nationally: Highland Beach is the 18,032nd-largest of 19,457 Census places in the dataset.
Growth rank: Highland Beach ranks 75th among Maryland's 157 places for the 2020-to-2023 change.
Versus Maryland: the state average change is +0.7%, while Highland Beach moved 0.0%.
Density in Maryland: Highland Beach ranks 74th by people per square mile.
Density in context: Highland Beach's 1,860 people per square mile sit against a Maryland median of 1,734.
Location: mapped by the US Census Bureau at 38.9311, -76.4670.
Nearest larger cities: Annapolis (4 mi); Bowie (15 mi); North Beach (16 mi); St. Michaels (16 mi); Queenstown (17 mi). Larger metros often have more branches, but online lenders reach Highland Beach on the same terms.
Nearest smaller towns: Eagle Harbor (28 mi); Church Creek (34 mi); Port Tobacco Village (42 mi).
Smaller neighbours: 7 places smaller than Highland Beach sit within 50 miles.
At 100 miles: 458 larger Census places fall inside that radius.

How a Highland Beach personal loan is priced

With roughly 106 residents, Highland Beach is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Highland Beach can be quoted different APRs on the same amount and term. The term you choose in Highland Beach decides the split between a comfortable payment and the total interest you pay.

Which Maryland laws govern a loan in Highland Beach

Read the table as a lender's compliance picture for Highland Beach: 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

Where Highland Beach sits in Maryland

Set beside Maryland's 157 places, Highland Beach ranks 151st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Highland Beach ranks 75th of 157 in Maryland (about the 52th percentile). Its roughly 1,860 residents per square mile place it 74th among Maryland's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

Highland Beach: area, density and distance

Inside Highland Beach's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 1,860 residents per square mile. Baltimore, the largest place in Maryland, is about 27 miles from Highland Beach. A 50-mile radius around Highland Beach takes in 104 places that are larger. The 100-mile radius contains 458 larger places.

Steps to take before a Highland Beach loan

For Highland Beach's roughly 106 residents, these are the steps that most influence the offer:

Pull your credit reports first and correct any error before a lender sees the file.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Verify the lender's Maryland licence with the regulator listed on this page.
Pick the shortest term whose payment you can comfortably afford.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Write down the purpose of the loan and your repayment plan before you apply.

In Highland Beach as elsewhere in Maryland, the written terms — not the advertisement — are what count for its 106 residents.

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Common questions

What are my options in Highland Beach 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 Highland Beach is the same as anywhere in Maryland.

What loan size can I expect in Highland Beach?

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 Highland Beach?

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 Highland Beach 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

Annapolis, MD — population 40,552
North Beach, MD — population 2,177
Chesapeake Beach, MD — population 6,492
Bowie, MD — population 57,254
St. Michaels, MD — population 1,061
Rock Hall, MD — population 1,189
Queenstown, MD — population 739
Upper Marlboro, MD — population 703