Personal loans in Sudlersville, MD

For a borrower among the roughly 514 residents of Sudlersville, a personal loan is a tool whose cost turns on the terms, not the address. Sudlersville is one of 157 Census places in Maryland; its 514 residents put it at 123rd.

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

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Census figures put the 2020-to-2023 increase in Sudlersville at about 1.2%. Use the calculator on this page to price an amount and term before you commit in Sudlersville. Borrowers who want a bigger city can look to Millington, MD about 5 miles away. When Maryland caps or restricts a product, lenders either change the terms or withdraw it from Sudlersville as from the rest of the state.

Where Sudlersville stands

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

Population: about 514 people live here, which puts Sudlersville 123rd of 157 Census places in Maryland (Vintage 2023).
Population trend: Up about 1.2% from the 2020 Census base to the 2023 estimate.
Net change: roughly 6 more people than the 2020 Census counted.
Size percentile: with 514 residents, Sudlersville is larger than about 22% of Maryland's Census places.
Population density: about 338 people per square mile across 1.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Sudlersville covers 1.5 square miles, the 65th-largest area among Maryland's 157 places.
Share of Maryland: Sudlersville holds about 0.0% of the state's population, some 514 people.
National rank: Sudlersville is 13,057th of 19,457 places nationwide.
Growth rank: Sudlersville ranks 48th among Maryland's 157 places for the 2020-to-2023 change.
Against the state trend: Sudlersville's 1.2% change compares with a Maryland average of +0.7% across its 157 places.
Density rank: Sudlersville is the 148th most densely settled place in Maryland.
Density vs Maryland: Sudlersville's 338 people per square mile compare with a state median of 1,734.
Location: 39.1833, -75.8535 (Census Gazetteer coordinates).
Nearest larger cities: Millington (5 mi); Church Hill (7 mi); Galena (11 mi); Chestertown (12 mi); Clayton (13 mi). For most borrowers the comparison happens online, not at a branch.
Nearest smaller towns: Barclay (3 mi); Templeville (6 mi); Marydel (7 mi) — useful context for the surrounding area.
Smaller neighbours: 34 places smaller than Sudlersville sit within 50 miles.
Within 100 miles: 463 places are larger than Sudlersville.

Sudlersville on the map

Sudlersville covers about 1.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 338 residents per square mile. For the state's biggest city, Baltimore, the distance is roughly 41 miles. Sudlersville has 75 larger places within a 50-mile radius. The 100-mile radius contains 463 larger places.

The Sudlersville borrowing checklist

A sensible order of operations for a loan in Sudlersville, home to about 514 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Use the loan calculator to test the payment on your intended amount and term.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Maryland licence by checking the regulator named above.
Weigh a shorter term's higher payment against the interest it saves.
Keep the amount to the expense; an approval is not a reason to take more.
Write down the purpose of the loan and your repayment plan before you apply.

In Sudlersville as elsewhere in Maryland, the written terms — not the advertisement — are what count for its 514 residents.

Inside a Sudlersville personal loan

In Sudlersville, a small community of about 514, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Sudlersville lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Sudlersville loan is knowable in advance — unlike a revolving card balance.

Maryland rules behind a Sudlersville personal loan

For the roughly 514 residents of Sudlersville, the rules below are Maryland's own; each row carries its publisher and retrieval 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
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

Getting a loan in Sudlersville

At roughly 338 people per square mile, Sudlersville is lightly settled; 75 larger places lie within 50 miles. What is available to Sudlersville's 514 borrowers is set by Maryland licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Millington, MD about 5 miles away.

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Common questions

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

What loan size can I expect in Sudlersville?

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 Sudlersville?

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 Sudlersville 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

Barclay, MD — population 181
Millington, MD — population 544
Templeville, MD — population 118
Marydel, MD — population 173
Church Hill, MD — population 819
Henderson, MD — population 160
Hartly, DE — population 77
Galena, MD — population 531