Personal loans in Barclay, MD

Barclay is home to roughly 181 people and stands 142nd by size out of 157 Census places in Maryland. The 2020 count to the 2023 estimate shows about 1.6% decline in Barclay.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A lender serving Barclay holds a Maryland licence and answers to a Maryland regulator; no city office is involved for its 181 residents. A lender that serves Barclay operates under Maryland lending statutes and a Maryland supervisor. Decide the purpose of the loan and your repayment plan before sharing any details with a Barclay lender. The closest larger city is Sudlersville, MD about 3 miles away.

Barclay: the sourced local profile

Here is the sourced Census picture for Barclay, plus the Maryland lending rules that apply to a loan taken out here.

How Barclay compares across Maryland

Set beside Maryland's 157 places, Barclay ranks 142nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Barclay stands 124th among Maryland's 157 places — roughly the 21th percentile. By density, at about 457 people per square mile, it ranks 144th in Maryland. The population moved by about 3 people between 2020 and 2023, a 1.6% shift.

What a Barclay borrower is actually offered

Most loans made to Barclay's 181 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Barclay loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Barclay loan is knowable in advance — unlike a revolving card balance.

How Maryland law applies in Barclay

This table holds the Maryland rate and licensing rules for consumer loans made to Barclay's 181 residents.

RuleDetailSource
State lending regulatorOffice of Financial Regulation; Commissioner of Financial Regulation (Maryland Department of Labor)
Source says: "is Maryland's consumer financial protection agency and financial services regulator"		Maryland Department of Labor
as of 2026-09-16
Small-loan / installment lender licensingConsumer Lender license required to make loans under the Maryland Consumer Loan Law (Com. Law § 12-301 et seq.)
Source says: "A Consumer Lender is a business that makes any loan or advance of money or credit under the Maryland Consumer Loan Law"		Maryland Department of Labor, Office of Financial Regulation
as of 2026-09-16
OFR consumer-loan interest-rate limits2.75%/month (33%/yr) on the first $1,000 of a loan ≤$2,000; 2%/month (24%/yr) thereafter and on loans over $2,000
Source says: "Maximum interest rate allowed by law is 2.75% per month or an annual interest rate of 33%"		Maryland Department of Labor, Office of Financial Regulation
as of 2026-09-16

Lender access in Barclay

At roughly 457 people per square mile, Barclay is lightly settled; 96 larger places lie within 50 miles. What is available to Barclay's 181 borrowers is set by Maryland licensing and your own credit, not by how many branches are nearby. The nearest larger city, Sudlersville, MD about 3 miles away.

What to do before borrowing in Barclay

Before you hand your details to a lender in Barclay, where the population is near 181:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a Maryland licence by checking the regulator named above.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

In Barclay as elsewhere in Maryland, the written terms — not the advertisement — are what count for its 181 residents.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Barclay if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Barclay is the same as anywhere in Maryland.
What loan size can I expect in Barclay?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Barclay?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Barclay cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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