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.
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.
- Population: 4,480 — Perryville ranks 49th of 157 communities in Maryland (US Census Bureau, Vintage 2023).
- Population trend: Up about 2.1% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a gain of about 90 residents.
- Size percentile: bigger than about 69% of the places in Maryland, with 4,480 residents in Perryville.
- Density: roughly 1,404 residents per square mile, spread over 3.2 sq mi of land.
- By land area: Perryville ranks 33rd among Maryland's 157 places, at 3.2 sq mi.
- State share: roughly 0.3% of Maryland's residents live in Perryville (4,480 people).
- National rank: Perryville is the 5,160th most populous of the 19,457 Census places covered here.
- Growth rank: Perryville ranks 33rd among Maryland's 157 places for the 2020-to-2023 change.
- Versus Maryland: the state average change is +0.7%, while Perryville moved 2.1%.
- Density in Maryland: Perryville ranks 102nd by people per square mile.
- Density in context: Perryville's 1,404 people per square mile sit against a Maryland median of 1,734.
- Location: 39.5730, -76.0649 (US Census Bureau Gazetteer).
- Nearest larger cities: Havre de Grace (3 mi); Aberdeen (7 mi); Elkton (13 mi); Bel Air (15 mi); Oxford (15 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Port Deposit (3 mi); Charlestown (4 mi); North East (7 mi).
- Within a 50-mile radius: 106 smaller Census places.
- Larger places within 100 miles: 217.
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.
| 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 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.
Common questions
What are my options in Perryville if my credit is poor?
What loan size can I expect in Perryville?
Do I have to pledge anything to borrow in Perryville?
Does comparing loans in Perryville cost me credit score points?
Nearby places
- Port Deposit, MD — population 625
- Havre de Grace, MD — population 15,032
- Charlestown, MD — population 1,520
- Aberdeen, MD — population 18,006
- North East, MD — population 4,163
- Rising Sun, MD — population 2,773
- Betterton, MD — population 283
- Oxford, PA — population 5,847