Loans in St. Mary's County, MD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Mary's County, MD.
The median household in St. Mary's County earns $119,446 a year, 15% above the Maryland median of $103,678. About 8% of residents live below the federal poverty line, and 26.8% of households rent their home.
What you need for a personal loan in St. Mary's County
Lenders that serve St. Mary's 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 St. Mary's County
What St. Mary's County borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in St. Mary's 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 St. Mary's County
Banks with branches in St. Mary's County
13 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 3 | 37650 Oak Station Rd, Charlotte Hall 20622 |
| Shore United Bank, National Association | 3 | 25395 Pt Lookout Road, Leonardtown 20650 |
| Truist Bank | 2 | 29946 Three Notch Rd, Charlotte Hall 20622 |
| WesBanco Bank, Inc. | 2 | 22741 Three Notch Rd, California 20619 |
| Manufacturers and Traders Trust Company | 1 | 37660 Mohawk Dr, Charlotte Hall 20622 |
| Bank of America, National Association | 1 | 28250 Three Notch Rd, Mechanicsville 20659 |
| JPMorgan Chase Bank, National Association | 1 | 45210 Worth Ave, California 20619 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Mary's County
6 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 46241 Corporate Way, Lexington Park 20653 |
| Educational Systems | 46320 Lexington Village Way, Lexington Park 20653 |
| Cedar Point | 22745 Maple Rd, Lexington Park 20653 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in St. Mary's County
All Maryland counties and cities
Frequently asked questions
Are payday loans legal in St. Mary's County?
St. Mary's 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 St. Mary's 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 St. Mary's County?
Options include 13 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 St. Mary's County?
Fill out our short online form from anywhere in St. Mary's 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 St. Mary's County?
Yes. You don't need to visit a branch or storefront anywhere in St. Mary's 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 St. Mary's County with bad credit?
Yes, many lenders in our network work with St. Mary's 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.
Can I get an emergency loan in St. Mary's County?
Yes. When an unexpected bill comes up, St. Mary's 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.
Where can I get a loan in St. Mary's County, MD?
You can apply at banks, credit unions and lenders in St. Mary's 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.