Best Personal Loan Rates in Maryland - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Maryland include: Washington County Teachers Federal Credit UnionWashington County Teachers Federal Credit Union19638 Leitersburg Pike, Hagerstown, MD, 21742A+5.0 ★Texas Ratio: 0.90% offering New 2025-2026 Loan at 4.00% APR, First Financial of Maryland FCUFirst Financial of Maryland FCU40 W Plaza, Catonsville, MD, 21228A+5.0 ★Texas Ratio: 1.51% offering 5 year Loan at 4.03% APR, WEPCO Federal Credit UnionWEPCO Federal Credit Union12511 Winchester Rd SW, LaVale, MD, 21502A+5.0 ★Texas Ratio: 3.46% offering Used Model Years 2021-2023 Loan at 4.24% APR, Freedom Of Maryland Federal Credit UnionFreedom Of Maryland Federal Credit Union1304 E Churchville Rd, Bel Air, MD, 21014A5.0 ★Texas Ratio: 8.78% offering Anything Loan at 4.99% APR, and Har-co Credit UnionHar-co Credit Union30 N Hickory Ave, Bel Air, MD, 21014 3249A5.0 ★Texas Ratio: 7.51% offering Private School Loan at 5.24% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Maryland side-by-side. Maryland personal loan rates currently start as low as 4.00% APR from Washington County Teachers Federal Credit Union at 19638 Leitersburg Pike, Hagerstown, MD, 21742. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Maryland.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Maryland. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 25, 2026
Maryland Personal Loan Rates
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As Low As; Minimum Financing of $10,000 for 60 Months
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As Low As; Minimum Financing of $15,000 for 72 Months
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As Low As; Minimum Financing of $25,000 for 84 Months
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No additional details available.
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Choosing the right PreK-12 school, daycare, or afterschool care is important. We're here to help finance your child's future. This loan covers everything from accredited schools such as The Highlands School to daycares and other private schools throughout Harford County.
Limited Time Holiday Loan. This special low-rate loan is back for a limited time to help you spread out your holiday purchases. Buy now, pay over 12 months.
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As low as; Comprehensive Auto insurance is required. Low-cost Gap and mechanical breakdown insurance is available. Loan subject to credit approval.
As low as; 36 monthly payments= $30.30 per $1,000 borrowed. Rate includes discounts from Autopay and Direct Deposit to Har-co checking account. Subject to Credit Approval. Membership eligibility required.
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No additional details available.
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As low as; Comprehensive Auto insurance is required. Low-cost Gap and mechanical breakdown insurance is available. Loan subject to credit approval.
As Low As; Minimum Financing of $15,000 for 72 Months
No additional details available.
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No additional details available.
Minimum Loan Amount: $5,000
With Direct Payment Discount1
As Low As; Unsecured, Bill Consolidation, Signature
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Loan amounts of $500 - $5,000
Loan amounts of $500 - $30,000
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With Direct Payment Discount1
As Low As; 6.99%
Minimum Loan Amount: $7,000
No additional details available.
No additional details available.
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As Low As;*
No additional details available.
As Low As; Minimum Financing of $10,000 for 60 Months
Example: payments on $1,000 at 7.25% APR* for 12 months would be just $86.06. APR is subject to change without notice. The quoted rate is the lowest available to qualified applicants without relationship pricing. The actual interest rate is based on individual credit history and relationship pricing.
As Low As; Minimum Loan Amount: $5,000
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No additional details available.
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
No additional details available.
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
No additional details available.
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As Low As; Minimum Loan Amount: $7,000
As Low As; quick funding, no application fees, and no payment for 45 days
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As Low As;*
With Direct Payment Discount1
No additional details available.
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As Low As
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As Low As; Minimum Loan Amount: $15,000
As Low As;*
No additional details available.
Loan amounts of $5,000 - $30,000
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As Low As;*
With Direct Payment Discount1
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As Low As; Unsecured, Bill Consolidation, Signature
Stated APR is the lowest rate available for qualified members. Actual rate may be higher based on income, credit worthiness, and extended loan terms. APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
As Low As; Limits up to $25,000
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As Low As
No additional details available.
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As Low As;* Minimum Loan Amount: $5,000
As Low As; Unsecured, Bill Consolidation, Signature
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
As Low As; Our low auto loan rates make it easy to upgrade your ride this summer!
No additional details available.
Up to $5,000; As Low As; *
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As Low As; Rate as low as 9.59% APR*
No additional details available.
Fixed Rate
Loan amounts of $500 - $1,000
No additional details available.
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($500-$30,000*)
As Low As; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. Annual Percentage Rate. APR is based on evaluation of applicant's credit. Your actual APR may vary.
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As Low As; *Rates are subject to change without notice.
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Payment Example ($20,000 Loan Amount): 60 Payments of $431.76
As Low As; $500 min.
No additional details available.
($2,500-$30,000*)
No additional details available.
Must have an Equifax credit score of 680+
As Low As; Limits up to $25,000
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As Low As; Minimum loan amount $10,000.00
As Low As
No additional details available.
As Low As; $5000 min.
As Low As; Unsecured, Bill Consolidation, Signature
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
As Low As; $10,000 min.
As Low As; Variable Rate
Over $50,000
No additional details available.
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Maryland Personal Loan Rates
As low as; 36 monthly payments= $30.30 per $1,000 borrowed. Rate includes discounts from Autopay and Direct Deposit to Har-co checking account. Subject to Credit Approval. Membership eligibility required.
With Direct Payment Discount1
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; 6.99%
Loan amounts of $500 - $30,000
As Low As
With Direct Payment Discount1
No additional details available.
As Low As;*
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
As Low As; quick funding, no application fees, and no payment for 45 days
As Low As;*
With Direct Payment Discount1
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As Low As;*
Loan amounts of $5,000 - $30,000
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With Direct Payment Discount1
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As Low As; Unsecured, Bill Consolidation, Signature
As Low As
As Low As;* Minimum Loan Amount: $5,000
As Low As; Unsecured, Bill Consolidation, Signature
No additional details available.
No additional details available.
As Low As; Our low auto loan rates make it easy to upgrade your ride this summer!
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Up to $5,000; As Low As; *
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($500-$30,000*)
No additional details available.
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($2,500-$30,000*)
As Low As; Minimum loan amount $10,000.00
As Low As; Unsecured, Bill Consolidation, Signature
No additional details available.
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Maryland Debt Consolidation Loan Rates
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Maryland Signature Loan Rates
No additional details available.
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No additional details available.
Stated APR is the lowest rate available for qualified members. Actual rate may be higher based on income, credit worthiness, and extended loan terms. APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
Up to $5,000; As Low As; *
No additional details available.
Fixed Rate
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Payment Example ($20,000 Loan Amount): 60 Payments of $431.76
As Low As; $500 min.
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As Low As; Minimum loan amount $10,000.00
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As Low As; $5000 min.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
As Low As; $10,000 min.
Maryland Personal Loan Rate Trends
Compare local Maryland personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maryland personal loan rates fell 0.406 points over the past 7 days to 9.254% APR.
Maryland signature loan rates rose 0.134 points over the past 7 days to 10.488% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maryland personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Maryland directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Maryland. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MD.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Maryland?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Maryland?
Are credit unions or banks better for personal loans in Maryland?
What are the best personal loan rates in Maryland?
- Washington County Teachers Federal Credit Union: 4.00% (New 2025-2026 Loan)
- First Financial of Maryland FCU: 4.03% (5 year Loan)
- WEPCO Federal Credit Union: 4.24% (Used Model Years 2021-2023 Loan)
- Freedom Of Maryland Federal Credit Union: 4.99% (Anything Loan)
- Har-co Credit Union: 5.24% (Private School Loan)
