Personal loans in Havre de Grace, MD
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Havre de Grace, MD.
The median household in Havre de Grace earns $105,817 a year, about the same as the Maryland median of $103,678. About 9% of residents live below the federal poverty line, and 28.4% of households rent their home.
Maryland law that applies in Havre de Grace
| 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 Havre de Grace
Here's what to have on hand before you start your personal loan request in Havre de Grace:
- 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 Havre de Grace
What Havre de Grace borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Havre de Grace
- 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 Havre de Grace
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Manufacturers and Traders Trust Company | 1 | 1500 Blenhiem Farm Ln, Havre De Grace 21078 |
| Harford Bank | 1 | 960 Revolution St, Havre De Grace 21078 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Havre de Grace
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Aberdeen Proving Ground | 1045 Pulaski Hwy, Havre De Grace 21078 |
| Freedom Of Maryland | 2025 Pulaski Hwy, Havre De Grace 21078 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Harford County ·
Frequently asked questions
Can I get a personal loan with bad credit in Havre de Grace?
Possibly. Lenders in our network consider applicants with fair and bad credit across Maryland, including Havre de Grace. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Havre de Grace, MD?
33% APR on first $1,000 (loans to $2,000); 24% otherwise.
How fast can I get a personal loan in Havre de Grace?
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 Havre de Grace?
You can apply at local banks and lenders in Havre de Grace, 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 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.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Havre de Grace residents can see their options in about 3 minutes.
How do installment loans work in Havre de Grace?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Havre de Grace residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan in Havre de Grace 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. Havre de Grace residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Havre de Grace?
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.