Personal loans in Millington, MD

A lender that serves Millington operates under Maryland lending statutes and a Maryland supervisor. A lender serving Millington holds a Maryland licence and answers to a Maryland regulator; no city office is involved for its 544 residents. With 544 residents, Millington outranks about 23% of the communities in Maryland. The trend for Millington between 2020 and 2023 is downward by roughly 1.3%. Price two or three terms so you can see which payment is truly affordable in Millington. The closest larger place is Cecilton, MD about 10 miles away.

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

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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 Millington

Two layers matter for a Millington borrower: the local population picture and Maryland's consumer-lending statutes.

Population: 544 residents; Millington is the 121st-largest of 157 places in Maryland (US Census Bureau, Vintage 2023).
Population trend: Roughly 1.3% fewer residents than the 2020 Census counted.
Change in people: the 2020-to-2023 comparison is a loss of about 7 residents.
Size percentile: with 544 residents, Millington is larger than about 23% of Maryland's Census places.
Population density: about 575 people per square mile (Census land area 0.9 sq mi).
Land area rank: Millington's 0.9 square miles rank 87th of 157 places in Maryland.
Water: Millington holds about 0.02 square miles, the 44th-largest water area in Maryland.
Share of state population: Millington's 544 residents are about 0.0% of Maryland.
National rank: Millington is 12,815th of 19,457 places nationwide.
Growth rank: Millington's 2020-to-2023 change ranks 109th of 157 places in Maryland.
Against the state trend: Millington's 1.3% change compares with a Maryland average of +0.7% across its 157 places.
Density rank: Millington is the 136th most densely settled place in Maryland.
Density vs Maryland: Millington's 575 people per square mile compare with a state median of 1,734.
Location: 39.2614, -75.8426 (US Census Bureau Gazetteer).
Nearest larger cities: Cecilton (10 mi); Church Hill (11 mi); Clayton (11 mi); Townsend (13 mi); Smyrna (13 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller communities within reach: Sudlersville (5 mi); Galena (6 mi); Barclay (8 mi).
Smaller places within 50 miles: 36 of them.
At 100 miles: 478 larger Census places fall inside that radius.

Millington: area, density and distance

Millington's land area is about 0.9 square miles; a further 0.02 square miles is water. With 544 residents, the land area yields roughly 575 people per square mile. The largest place in Maryland, Baltimore, lies about 41 miles away. Within 50 miles of Millington there are 84 larger Census places. By land area it ranks 87th of 157 Maryland places.

Which Maryland laws govern a loan in Millington

This table holds the Maryland rate and licensing rules for consumer loans made to Millington's 544 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
OFR consumer-loan interest-rate limits	2.75%/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
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

How Millington compares across Maryland

Against Maryland's other places, Millington accounts for about 0.0% of the state's population and ranks 121st of 157 by size. For population change between 2020 and 2023, Millington ranks 109th of 157 in Maryland (about the 31th percentile). By density, at about 575 people per square mile, it ranks 136th in Maryland. The population moved by about 7 people between 2020 and 2023, a 1.3% shift.

What to do before borrowing in Millington

A sensible order of operations for a loan in Millington, home to about 544 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Check the Maryland regulator's records to confirm the lender is licensed here.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Check the disclosure for fees that raise the true cost above the quoted rate.
Make sure the new payment leaves room in a budget you already keep.

The process is identical across Maryland; what changes is your credit file, not the fact that Millington holds 544 people.

Inside a Millington personal loan

Millington is a small community of about 544 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Millington can be quoted different APRs on the same amount and term. The term you choose in Millington decides the split between a comfortable payment and the total interest you pay.

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Common questions

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

What loan size can I expect in Millington?

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 Millington?

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 Millington 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

Sudlersville, MD — population 514
Galena, MD — population 531
Barclay, MD — population 181
Cecilton, MD — population 687
Templeville, MD — population 118
Hartly, DE — population 77
Marydel, MD — population 173
Church Hill, MD — population 819