Loans in Washington County, MD: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, MD.
The median household in Washington County earns $77,747 a year, 25% below the Maryland median of $103,678. About 12% of residents live below the federal poverty line, and 33.2% of households rent their home.
What you need for a personal loan in Washington County
Most Washington County applicants can finish in one sitting if they have these ready:
- 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 Washington County
What Washington County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
40 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Manufacturers and Traders Trust Company | 9 | 14 W Potomac St, Williamsport 21795 |
| Truist Bank | 5 | 1326 Salem Ave, Hagerstown 21740 |
| First United Bank & Trust | 5 | 22940 Jefferson Blvd, Smithsburg 21783 |
| Fulton Bank, National Association | 4 | 830 W Franklin St, Hagerstown 21740 |
| CNB Bank, Inc. | 4 | 333 E Main St, Hancock 21750 |
| PNC Bank, National Association | 3 | 17708 Virginia Ave, Hagerstown 21740 |
| Middletown Valley Bank | 3 | 6721 Old National Pike, Boonsboro 21713 |
| United Bank | 2 | 1219 Mount Aetna Rd, Hagerstown 21742 |
| Jefferson Security Bank | 1 | 103 W Main St, Sharpsburg 21782 |
| Orrstown Bank | 1 | 1020 Professional Ct, Hagerstown 21740 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
15 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Vantage Point | 18450 Showalter Rd Ste 113, Hagerstown 21742 |
| State Employees Cu Of Maryland, Inc | 17239 Cole Rd, Hagerstown 21740 |
| Patriot | 18721 Longmeadow Rd, Hagerstown 21742 |
| Ardent | 18450 Showalter Rd, Hagerstown 21742 |
| Bull Dog | 580 Northern Ave, Hagerstown 21742 |
| Washington County Teachers | 19638 Leitersburg Pike, Hagerstown 21742 |
| Government Printing Office | 18450 Showalter Rd Ste 101, Hagerstown 21742 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Washington County
All Maryland counties and cities
Frequently asked questions
Are payday loans legal in Washington County?
Washington 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 Washington 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 Washington County?
Options include 40 bank and 15 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 Washington County?
Fill out our short online form from anywhere in Washington 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.
Where can I get a loan in Washington County, MD?
You can apply at banks, credit unions and lenders in Washington 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 Washington 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. Washington County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Washington County with bad credit?
Yes, many lenders in our network work with Washington 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 Washington County?
Yes. When an unexpected bill comes up, Washington 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.