Loans in Garrett County, MD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Garrett County, MD.
The median household in Garrett County earns $67,688 a year, 35% below the Maryland median of $103,678. About 11% of residents live below the federal poverty line, and 20.3% of households rent their home. 14.4% of households have no home internet; our form works on any phone.
What you need for a personal loan in Garrett County
Lenders that serve Garrett County typically ask for the following:
- 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 Garrett County
What Garrett County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Garrett 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 Garrett County
Banks with branches in Garrett County
12 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First United Bank & Trust | 5 | 19 S 2nd St, Oakland 21550 |
| Manufacturers and Traders Trust Company | 2 | 46 S 2nd St, Oakland 21550 |
| Truist Bank | 1 | 305 E Oak St, Oakland 21550 |
| Clear Mountain Bank | 1 | 12730 Garrett Hwy, Oakland 21550 |
| Citizens Bank of West Virginia, Inc. | 1 | 13164 Garrett Hwy, Oakland 21550 |
| Somerset Trust Company | 1 | 3245 Chestnut Ridge Rd, Grantsville 21536 |
| Middletown Valley Bank | 1 | 19509 Garrett Hwy, Oakland 21550 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Garrett County
6 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Wepco | 12826 Garrett Hwy, Oakland 21550 |
| First Peoples Community | 12497 National Pike, Grantsville 21536 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Garrett County?
Garrett 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 Garrett 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 Garrett County?
Options include 12 bank and 6 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 Garrett County?
Fill out our short online form from anywhere in Garrett 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 get an emergency loan in Garrett County?
Yes. When an unexpected bill comes up, Garrett County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Garrett County with bad credit?
Yes, many lenders in our network work with Garrett 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.
Where can I get a loan in Garrett County, MD?
You can apply at banks, credit unions and lenders in Garrett 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 apply for a loan online in Garrett County?
Yes. You don't need to visit a branch or storefront anywhere in Garrett 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.