Personal loans in Bethesda, MD
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bethesda, MD.
The median household in Bethesda earns $192,237 a year, 85% above the Maryland median of $103,678. About 4% of residents live below the federal poverty line, and 36.0% of households rent their home.
Maryland law that applies in Bethesda
| Rate cap | Interest on loans of $2,000 or less is capped at 2.75% a month (33% a year) on the first $1,000 and 2% a month (24% a year) on the rest; loans over $2,000 are capped at 2% a month (24% a year) on the whole loan. |
|---|---|
| License required | Most consumer lenders must be licensed by the Commissioner of Financial Regulation; licenses can be checked on NMLS Consumer Access. |
| Loan sizes covered | The rate limits apply to anyone lending $25,000 or less (subject to certain exceptions). |
Full rules with statute citations: Personal Loans in Maryland. Cities in Maryland cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Bethesda
Most Bethesda 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 Bethesda
What Bethesda borrowers use it for
pay a doctor, dentist or pharmacy bill now
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
How to get a personal loan in Bethesda
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Bethesda
35 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 4 | 4749 Bethesda Ave, Bethesda 20814 |
| Truist Bank | 3 | 7220 Wisconsin Ave, Bethesda 20814 |
| Wells Fargo Bank, National Association | 3 | 10305 Westlake Dr, Bethesda 20817 |
| Atlantic Union Bank | 2 | 7550 Wisconsin Ave, Bethesda 20814 |
| Presidential Bank, FSB | 2 | 4520 East West Hwy, Bethesda 20814 |
| EagleBank | 2 | 7500 Old Georgetown Rd, Bethesda 20814 |
| Bank of America, National Association | 2 | 6822 Wisconsin Ave, Bethesda 20815 |
| Citibank, National Association | 2 | 8101 Wisconsin Ave, Bethesda 20814 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bethesda
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 8901 Wisconsin Ave, Bethesda 20889 |
| National Institutes Of Health | 9000 Rockville Pike Bldg 10, Bethesda 20892 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Montgomery County ·
Frequently asked questions
Can I get a personal loan with bad credit in Bethesda?
Possibly. Lenders in our network consider applicants with fair and bad credit across Maryland, including Bethesda. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bethesda, MD?
33% APR on first $1,000 (loans to $2,000); 24% otherwise.
How fast can I get a personal loan in Bethesda?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Where can I find a loan for bad credit in Bethesda?
You can apply at local banks and lenders in Bethesda, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get a personal loan in Bethesda with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Bethesda residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Bethesda with our free 3-minute form.
Can I get an emergency loan with bad credit in Bethesda?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Bethesda residents can see if they qualify in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Bethesda?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.