Personal loans in Vienna, MD

Vienna is a small community in Maryland, with an estimated 272 residents, and every licensed lender here follows the same state rulebook. With 272 residents, Vienna outranks about 11% of the communities in Maryland. Vienna gained roughly 1.1% in population across the 2020-to-2023 comparison. For the 272 people in Vienna, Maryland runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Decide the purpose of the loan and your repayment plan before sharing any details with a Vienna lender. Borrowers who want a bigger city can look to Mardela Springs, MD about 4 miles away.

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

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The Vienna data picture

Here is the sourced Census picture for Vienna, plus the Maryland lending rules that apply to a loan taken out here.

Population: 272 — Vienna ranks 139th of 157 communities in Maryland (US Census Bureau, Vintage 2023).
Population trend: About 1.1% above the 2020 Census base.
Net change: roughly 3 more people than the 2020 Census counted.
Size percentile: Vienna's 272 people outrank roughly 11% of the places in Maryland.
Density: the Census land area of 0.8 sq mi holds about 356 people per square mile.
Land area: Vienna covers 0.8 square miles, the 94th-largest area among Maryland's 157 places.
Share of state population: Vienna's 272 residents are about 0.0% of Maryland.
National standing: Vienna ranks 15,463rd of 19,457 US places.
Growth rank: Vienna's 2020-to-2023 change ranks 49th of 157 places in Maryland.
Against the state trend: Vienna's 1.1% change compares with a Maryland average of +0.7% across its 157 places.
Density rank: Vienna is the 147th most densely settled place in Maryland.
Density vs Maryland: Vienna's 356 people per square mile compare with a state median of 1,734.
Location: mapped by the US Census Bureau at 38.4811, -75.8318.
Nearest larger cities: Mardela Springs (4 mi); Sharptown (7 mi); Hebron (9 mi); East New Market (9 mi); Hurlock (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Brookview (7 mi); Eldorado (7 mi); Galestown (8 mi).
Within a 50-mile radius: 22 smaller Census places.
Larger places within 100 miles: 246.

Borrowing reach in Vienna

Vienna is lightly settled, with about 356 people per square mile and 70 larger places within 50 miles. Lenders licensed in Maryland reach Vienna's 272 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Mardela Springs, MD about 4 miles away.

Vienna in state context

Vienna is the 139th-largest of 157 Census places in Maryland and contains about 0.0% of the state's people. For population change between 2020 and 2023, Vienna ranks 49th of 157 in Maryland (about the 69th percentile). Its roughly 356 residents per square mile place it 147th among Maryland's places. By land area, its 0.8 square miles rank 94th of 157 places in Maryland.

Vienna on the map

Vienna covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 272 residents, the land area yields roughly 356 people per square mile. For the state's biggest city, Baltimore, the distance is roughly 70 miles. Counting outward 50 miles, 70 larger communities surround Vienna. By land area it ranks 94th of 157 Maryland places.

How Maryland law applies in Vienna

When Maryland does not publish a figure, the row links to the source instead of inventing a number; Vienna is bound by the same rules.

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
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
Small-loan / installment lender licensing	Consumer Lender license required to make loans under the Maryland Consumer Loan Law (Com. Law § 12-301 et seq.) Source says: "A Consumer Lender is a business that makes any loan or advance of money or credit under the Maryland Consumer Loan Law"	Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16

The anatomy of a Vienna personal loan

With roughly 272 residents, Vienna is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Vienna. Because the payment is fixed, the total cost of a Vienna loan is knowable in advance — unlike a revolving card balance.

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Common questions

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

What loan size can I expect in Vienna?

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 Vienna?

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 Vienna 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

Mardela Springs, MD — population 354
Brookview, MD — population 47
Eldorado, MD — population 46
Sharptown, MD — population 698
Galestown, MD — population 114
East New Market, MD — population 400
Hurlock, MD — population 2,085
Hebron, MD — population 1,105