Personal loans in Barton, MD

The 2020 count to the 2023 estimate shows about 1.5% decline in Barton. With 458 residents, Barton outranks about 18% of the communities in Maryland.

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

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The roughly 458 people who live in Barton borrow under Maryland rules; city hall sets no personal-loan rate. Price two or three terms so you can see which payment is truly affordable in Barton. State law, not city hall, decides what a lender may do to Barton's roughly 458 residents, and a state regulator supervises it. The nearest larger metro is Lonaconing, MD about 3 miles away.

Borrowing in Barton: the local picture

The figures below are Barton's own — Census population, land area and coordinates — followed by the Maryland rules.

Population: about 458 people live here, which puts Barton 128th of 157 Census places in Maryland (Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 1.5%.
Absolute change: 7 residents lost between 2020 and 2023.
Size percentile: roughly 18% of Maryland's places have fewer residents than Barton's 458.
Population density: about 2,213 people per square mile (Census land area 0.2 sq mi).
Land area rank: Barton's 0.2 square miles rank 138th of 157 places in Maryland.
Within Maryland: about 0.0% of the state's population lives in Barton.
National rank: Barton sits 13,528th by population among the 19,457 places in this dataset.
Growth in Maryland: Barton stands 117th by percentage change from 2020 to 2023, among 157 places.
Against the state trend: Barton's 1.5% change compares with a Maryland average of +0.7% across its 157 places.
Density rank: Barton places 61st among Maryland's places by people per square mile.
Against the state median: Barton runs about 2,213 residents per square mile, where the Maryland median is 1,734.
Location: coordinates 39.5323, -79.0168 (US Census Bureau Gazetteer).
Nearest larger cities: Lonaconing (3 mi); Westernport (3 mi); Piedmont (4 mi); Midland (5 mi); Keyser (7 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller places: Luke (4 mi); Elk Garden (13 mi); Kitzmiller (13 mi).
Smaller places within 50 miles: 42 of them.
At 100 miles: 381 larger Census places fall inside that radius.

How a Barton personal loan is priced

A Barton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 458 residents. A lender serving Barton's 458 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Barton loan but raises total interest, so the smallest payment is not the cheapest loan.

Barton: area, density and distance

The Census Gazetteer records about 0.2 square miles of land within Barton, with no significant water area listed. That land carries about 2,213 people per square mile. The largest place in Maryland, Baltimore, lies about 129 miles away. Counting outward 50 miles, 49 larger communities surround Barton. By land area it ranks 138th of 157 Maryland places.

What is available to Barton borrowers

Barton is fairly dense, with about 2,213 people per square mile and 49 larger places within 50 miles. Whether Barton has a local branch or not, a Maryland-licensed lender can serve its 458 people online on the same terms. The nearest bigger place is Lonaconing, MD about 3 miles away.

The Maryland lending rules that reach Barton

For the roughly 458 residents of Barton, the rules below are Maryland's own; each row carries its publisher and retrieval date.

Rule	Detail	Source
State lending regulator	Office 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
OFR consumer-loan interest-rate limits	2.75%/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
Maximum legal interest rate (usury cap)	24% per year effective simple interest for qualifying loans (Md. Code Com. Law § 12-103(c)); otherwise 8% (written agreement) or 18% Source says: "a lender may charge an effective rate of simple interest not in excess of 24 percent per year on the unpaid principal balance"	Maryland General Assembly as of 2026-09-16

A practical checklist for Barton borrowers

Before you hand your details to a lender in Barton, where the population is near 458:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Confirm the Maryland licence with the regulator named above before committing.
Check the disclosure for fees that raise the true cost above the quoted rate.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Maryland; what changes is your credit file, not the fact that Barton holds 458 people.

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Common questions

What are my options in Barton 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 Barton is the same as anywhere in Maryland.

What loan size can I expect in Barton?

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 Barton?

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 Barton 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.

Nearby places

Lonaconing, MD — population 984
Westernport, MD — population 1,777
Piedmont, WV — population 701
Luke, MD — population 82
Midland, MD — population 478
Keyser, WV — population 4,843
Frostburg, MD — population 6,963
Elk Garden, WV — population 207