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Personal loans in Friendsville, MD

Consumer lending that reaches Friendsville's 428 residents is governed by Maryland statute; no city ordinance changes it. About 428 people live in Friendsville, placing it 129th of 157 Census places in Maryland. Two households in Friendsville with comparable incomes can still be offered different rates; the city's 428 residents are not the reason. The 2020 count to the 2023 estimate shows about 1.6% decline in Friendsville. Work out your debt-to-income ratio first; lenders weigh it heavily, and Friendsville's 428 residents are no exception. The nearest larger city is Confluence, PA about 11 miles away.

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.

Friendsville: the sourced local profile

Two layers matter for a Friendsville borrower: the local population picture and Maryland's consumer-lending statutes.

Borrowing reach in Friendsville

Friendsville is lightly settled, with about 428 people per square mile and 101 larger places within 50 miles. A Maryland licence lets a lender serve Friendsville without a local office, so branch density does not change what its 428 residents are offered. The nearest bigger place is Confluence, PA about 11 miles away.

What Maryland law requires in Friendsville

Maryland has no separate rate rule for Friendsville; the sourced rows below are what reach every lender that serves its 428 people.

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

Where Friendsville sits

Inside Friendsville's boundaries lie about 1.0 square miles of land, with no significant water area recorded. That land carries about 428 people per square mile. For the state's biggest city, Baltimore, the distance is roughly 151 miles. Friendsville has 101 larger places within a 50-mile radius. The 100-mile radius contains 422 larger places.

Friendsville's place among Maryland's 157 places

Against Maryland's other places, Friendsville accounts for about 0.0% of the state's population and ranks 129th of 157 by size. On the 2020-to-2023 trend, Friendsville stands 122nd among Maryland's 157 places — roughly the 22th percentile. At about 428 people per square mile, Friendsville is the 145th most densely settled place in Maryland. Within 50 miles sit 61 smaller Census places, alongside the 101 that are larger.

Inside a Friendsville personal loan

Friendsville is a small community of about 428 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Friendsville's 428 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Friendsville decides the split between a comfortable payment and the total interest you pay.

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 Friendsville 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 Friendsville is the same as anywhere in Maryland.
What loan size can I expect in Friendsville?
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 Friendsville?
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 Friendsville 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

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