Loans in Baltimore County, MD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Baltimore County, MD.
The median household in Baltimore County earns $91,768 a year, 11% below the Maryland median of $103,678. About 10% of residents live below the federal poverty line, and 33.6% of households rent their home.
What you need for a personal loan in Baltimore County
Here's what to have on hand before you start your personal loan request in Baltimore County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Baltimore County
What Baltimore County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Baltimore County
Payday Loans Not available
Payday loans are effectively illegal in Maryland: anyone lending $25,000 or less may not charge more than the state's rate caps (33% a year on the first $1,000 of small loans),…
Personal Loans
33% APR on first $1,000 (loans to $2,000); 24% otherwise.
Title Loans Not available
Car title loans are subject to Maryland's consumer lending laws, licensing and rate caps (33%/24%), so high-cost title loans are not allowed.
Banks and credit unions in Baltimore County
Banks with branches in Baltimore County
164 FDIC-insured bank branches from 25 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Manufacturers and Traders Trust Company | 33 | 809 Eastern Blvd, Essex 21221 |
| Bank of America, National Association | 22 | 5211 East Dr, Baltimore 21227 |
| PNC Bank, National Association | 18 | 3422 Sweet Air Rd, Phoenix 21131 |
| Truist Bank | 15 | 11817 Reisterstown Rd, Reisterstown 21136 |
| Wells Fargo Bank, National Association | 14 | 8851 Belair Rd, Baltimore 21236 |
| JPMorgan Chase Bank, National Association | 12 | 8903 Belair Rd, Baltimore 21236 |
| Rosedale Bank | 11 | 1520 Sulphur Spring Rd, Arbutus 21227 |
| First National Bank of Pennsylvania | 9 | 4208 Ebenezer Rd, Baltimore 21236 |
| Farmers and Merchants Bank | 4 | 15226 Hanover Pike, Upperco 21155 |
| Orrstown Bank | 4 | 9651 Belair Rd, Baltimore 21236 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Baltimore County
42 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Securityplus | 7135 Windsor Blvd, Baltimore 21244 |
| Navy Federal Credit Union | 6417 Petrie Way, Baltimore 21237 |
| State Employees Cu Of Maryland, Inc | 7906 Rossville Blvd, Baltimore 21236 |
| Tower | 9207 Lakeside Blvd, Owings Mills 21117 |
| Aberdeen Proving Ground | 10301 York Rd, Cockeysville 21030 |
| Municipal Empl.Credit Union Of Balt | 8507 Loch Raven Blvd, Baltimore 21286 |
| First Financial Of Maryland | 40 W Plaza, Catonsville 21228 |
| Point Breeze | 11104 Mccormick Rd, Hunt Valley 21031 |
| Freedom Of Maryland | 5000 Honeygo Center Dr, Perry Hall 21128 |
| Peake | 23 W Susquehanna Ave, Towson 21204 |
| First Eagle | 10451 Mill Run Cir Ste 300, Owings Mills 21117 |
| Five Star Of Maryland | 716 Maiden Choice Ln, Baltimore 21228 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Baltimore County
All Maryland counties and cities
Frequently asked questions
Are payday loans legal in Baltimore County?
Baltimore County follows Maryland law. Payday loans are effectively illegal in Maryland: anyone lending $25,000 or less may not charge more than the state's rate caps (33% a year on the first $1,000 of small loans), which rules out typical payday pricing.
Are title loans legal in Baltimore County?
Car title loans are subject to Maryland's consumer lending laws, licensing and rate caps (33%/24%), so high-cost title loans are not allowed.
Where can I get a small loan in Baltimore County?
Options include 164 bank and 42 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Baltimore County?
Fill out our short online form from anywhere in Baltimore County. We share it with lenders in our network that serve Maryland; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Baltimore County?
Yes. You don't need to visit a branch or storefront anywhere in Baltimore County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Maryland. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Baltimore County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Baltimore County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Baltimore County, MD?
You can apply at banks, credit unions and lenders in Baltimore County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Maryland residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Baltimore County with bad credit?
Yes, many lenders in our network work with Baltimore County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.