Personal loans in North East, MD
North East is one of 157 Census places in Maryland; its 4,163 residents put it at 54th. For a borrower among the roughly 4,163 residents of North East, a personal loan is a tool whose cost turns on the terms, not the address. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a North East loan. Lenders active in North East report to a Maryland supervisor, identified in the sourced rows below. Population in North East climbed about 1.9% over the three years from 2020 to 2023. The nearest larger city is Elkton, MD about 6 miles away.
North East: population, trend and location
Read the local figures below as context; read the sourced Maryland table as the rulebook a lender here must follow.
- Population: an estimated 4,163 residents, 54th of 157 places in Maryland (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 1.9% since the 2020 count.
- People gained or lost: about 79 more since the 2020 base.
- Size percentile: North East sits ahead of around 66% of Maryland places, at 4,163 people.
- Density: the Census land area of 2.0 sq mi holds about 2,040 people per square mile.
- Land area: North East covers 2.0 square miles, the 49th-largest area among Maryland's 157 places.
- Water area rank: North East ranks 34th among Maryland's 157 places, with 0.04 sq mi.
- State share: roughly 0.3% of Maryland's residents live in North East (4,163 people).
- National rank: North East is the 5,354th most populous of the 19,457 Census places covered here.
- Growth rank: North East ranks 37th among Maryland's 157 places for the 2020-to-2023 change.
- State comparison: Maryland's places average +0.7% for 2020-to-2023, against North East's 1.9%.
- Density rank: North East places 69th among Maryland's places by people per square mile.
- Against the state median: North East runs about 2,040 residents per square mile, where the Maryland median is 1,734.
- Location: coordinates 39.6080, -75.9417 (US Census Bureau Gazetteer).
- Nearest larger cities: Elkton (6 mi); Perryville (7 mi); Havre de Grace (10 mi); Newark (11 mi); Oxford (12 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Charlestown (3 mi); Port Deposit (8 mi); Chesapeake City (9 mi).
- Within a 50-mile radius: 111 smaller Census places.
- Within 100 miles: 248 places are larger than North East.
The anatomy of a North East personal loan
In North East, a small community of about 4,163, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than North East's rank of 54th in Maryland: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a North East loan but raises total interest, so the smallest payment is not the cheapest loan.
Land, water and location for North East
The Census Gazetteer records 2.0 square miles of land and 0.04 square miles of water within North East. With 4,163 residents, the land area yields roughly 2,040 people per square mile. The largest place in Maryland, Baltimore, lies about 42 miles away. Counting outward 50 miles, 79 larger communities surround North East. By land area it ranks 49th of 157 Maryland places.
What Maryland law requires in North East
Every row below records a Maryland rule, its publisher and its retrieval date — the same rules a North East lender must follow.
| 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 |
| 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 |
| Payday lending status | Regulated as consumer loans: licensing and statutory interest-rate limits apply to payday-style loans (OFR) Source says: "they are prohibited from charging or receiving an interest rate that is greater than authorized by the laws of this State" | Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16 |
Where North East sits in Maryland
Against Maryland's other places, North East accounts for about 0.3% of the state's population and ranks 54th of 157 by size. For population change between 2020 and 2023, North East ranks 37th of 157 in Maryland (about the 76th percentile). At about 2,040 people per square mile, North East is the 69th most densely settled place in Maryland. Within 50 miles sit 111 smaller Census places, alongside the 79 that are larger.
Borrowing reach in North East
At roughly 2,040 people per square mile, North East is fairly dense; 79 larger places lie within 50 miles. A Maryland licence lets a lender serve North East without a local office, so branch density does not change what its 4,163 residents are offered. The nearest bigger place is Elkton, MD about 6 miles away.
Common questions
What are my options in North East if my credit is poor?
What loan size can I expect in North East?
Do I have to pledge anything to borrow in North East?
Does comparing loans in North East cost me credit score points?
Nearby places
- Charlestown, MD — population 1,520
- Elkton, MD — population 15,968
- Perryville, MD — population 4,480
- Rising Sun, MD — population 2,773
- Chesapeake City, MD — population 746
- Port Deposit, MD — population 625
- Oxford, PA — population 5,847
- Havre de Grace, MD — population 15,032