Personal loans in Oxon Hill, MD
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Oxon Hill, MD.
The median household in Oxon Hill earns $93,252 a year, 10% below the Maryland median of $103,678. About 6% of residents live below the federal poverty line, and 38.5% of households rent their home.
Maryland law that applies in Oxon Hill
| 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 Oxon Hill
Here's what to have on hand before you start your personal loan request in Oxon Hill:
- 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 Oxon Hill
What Oxon Hill borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Oxon Hill
- 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 Oxon Hill
8 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Atlantic Union Bank | 1 | 6089 Oxon Hill Rd, Oxon Hill 20745 |
| Manufacturers and Traders Trust Company | 1 | 6262 Oxon Hill Rd, Oxon Hill 20745 |
| Truist Bank | 1 | 41 Audrey Ln, Oxon Hill 20745 |
| Bank of America, National Association | 1 | 6011 Oxon Hill Rd, Oxon Hill 20745 |
| Wells Fargo Bank, National Association | 1 | 6175 Oxon Hill Rd, Oxon Hill 20745 |
| PNC Bank, National Association | 1 | 6196 Oxon Hill Rd, Oxon Hill 20745 |
| Industrial Bank | 1 | 1900 John Hanson Ln, Oxon Hill 20745 |
| JPMorgan Chase Bank, National Association | 1 | 6135 Oxon Hill Rd, Oxon Hill 20745 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Prince George's County
47 credit-union locations from 23 credit unions.
| Credit union | Location |
|---|---|
| Andrews Federal Credit Union | 5711 Allentown Rd, Suitland 20746 |
| Fedchoice | 10001 Willowdale Rd, Lanham 20706 |
| Prince George'S Community | 15201 Hall Rd, Bowie 20721 |
| Police | 9100 Presidential Pkwy, Upper Marlboro 20772 |
| None Suffer Lack | 4929 Allentown Rd, Suitland 20746 |
| Navy Federal Credit Union | 2200 Petrie Ln, Glenarden 20706 |
| State Employees Cu Of Maryland, Inc | 6011 Greenbelt Rd, Berwyn Heights 20740 |
| Nasa | 500 Prince Georges Blvd, Upper Marlboro 20774 |
| Tower | 7901 Sandy Spring Rd, Laurel 20707 |
| Educational Systems | 7500 Greenway Center Dr, Greenbelt 20770 |
| Lafayette | 7537 Greenbelt Rd, Greenbelt 20770 |
| U S Postal Service | 7905 Malcolm Rd Ste 311, Clinton 20735 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Prince George's County ·
Frequently asked questions
Can I get a personal loan with bad credit in Oxon Hill?
Possibly. Lenders in our network consider applicants with fair and bad credit across Maryland, including Oxon Hill. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Oxon Hill, MD?
33% APR on first $1,000 (loans to $2,000); 24% otherwise.
How fast can I get a personal loan in Oxon Hill?
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.
Can I get an emergency loan with bad credit in Oxon Hill?
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. Oxon Hill residents can see if they qualify in about 3 minutes.
Where can I find a loan for bad credit in Oxon Hill?
You can apply at local banks and lenders in Oxon Hill, 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.
How can I get an emergency loan in Oxon Hill?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How do I apply for a personal loan with bad credit in Oxon Hill?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Oxon Hill?
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.