Personal loans in Perryville, MD

The first question in Perryville is not the rate on offer but whether the payment fits; about 4,480 people live here under Maryland lending law. Perryville is one of 157 Census places in Maryland; its 4,480 residents put it at 49th.

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.

Population in Perryville climbed about 2.1% over the three years from 2020 to 2023. Use the calculator on this page to price an amount and term before you commit in Perryville. The closest larger place is Havre de Grace, MD about 3 miles away. Every figure below is Maryland's own, applied to Perryville's 4,480 residents, with the publisher and retrieval date attached.

Perryville: the sourced local profile

Set out below is Perryville's local context next to the state-level rules that reach every lender here.

Which Maryland laws govern a loan in Perryville

Below are the Maryland rules that apply to a loan made in Perryville, each with the regulator that issued it.

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
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
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 lenders reach Perryville

Perryville is a moderately settled community of about 4,480 people, with 58 larger places inside a 50-mile radius. Whether Perryville has a local branch or not, a Maryland-licensed lender can serve its 4,480 people online on the same terms. The nearest bigger place is Havre de Grace, MD about 3 miles away.

What a Perryville borrower is actually offered

With roughly 4,480 residents, Perryville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Perryville lender to disclose the APR and finance charge before you sign. Shortening the term on a Perryville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Perryville sits

The Census Gazetteer records about 3.2 square miles of land within Perryville, with no significant water area listed. With 4,480 residents, the land area yields roughly 1,404 people per square mile. For the state's biggest city, Baltimore, the distance is roughly 35 miles. Perryville has 58 larger places within a 50-mile radius. Within the same 50 miles lie 106 smaller Census places.

Perryville's place among Maryland's 157 places

Against Maryland's other places, Perryville accounts for about 0.3% of the state's population and ranks 49th of 157 by size. For population change between 2020 and 2023, Perryville ranks 33rd of 157 in Maryland (about the 79th percentile). Its roughly 1,404 residents per square mile place it 102nd among Maryland's places. Within 50 miles sit 106 smaller Census places, alongside the 58 that are larger.

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 Perryville 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 Perryville is the same as anywhere in Maryland.
What loan size can I expect in Perryville?
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 Perryville?
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 Perryville 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

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