Personal loans in Rising Sun, MD

A personal loan in Rising Sun is priced from your credit file and income, not from the fact that the city holds 2,773 people. About 2,773 people live in Rising Sun, placing it 64th of 157 Census places in Maryland.

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

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.

From the 2020 Census base to the 2023 estimate, the population rose by about 0.8%. When Maryland caps or restricts a product, lenders either change the terms or withdraw it from Rising Sun as from the rest of the state. If debt is already a strain, a nonprofit credit counsellor can help Rising Sun residents before they take on more. For a bigger market, look to Oxford, PA about 7 miles away.

What the Census records for Rising Sun

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

Rising Sun against the rest of Maryland

Among Maryland's 157 places, Rising Sun sits at 64th for population, a share of roughly 0.2% of the state. Its 2020-to-2023 change ranks 56th of 157 Maryland places, putting it near the 64th percentile for growth. By density, at about 1,677 people per square mile, it ranks 80th in Maryland. Between 2020 and 2023 the count changed by roughly 23 residents.

Land, water and location for Rising Sun

The Census Gazetteer records 1.7 square miles of land and 0.03 square miles of water within Rising Sun. The resulting density is about 1,677 people per square mile. The largest place in Maryland, Baltimore, lies about 40 miles away. Within 50 miles of Rising Sun there are 107 larger Census places. The 100-mile radius contains 325 larger places.

Maryland rules behind a Rising Sun personal loan

This table holds the Maryland rate and licensing rules for consumer loans made to Rising Sun's 2,773 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
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 statusRegulated 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

Borrowing reach in Rising Sun

With about 1,677 residents per square mile, Rising Sun is moderately settled, and 107 larger Census places sit within 50 miles. Whether Rising Sun has a local branch or not, a Maryland-licensed lender can serve its 2,773 people online on the same terms. The nearest bigger place is Oxford, PA about 7 miles away.

What a Rising Sun borrower is actually offered

A Rising Sun personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,773 residents. A lender serving Rising Sun's 2,773 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Rising Sun decides the split between a comfortable payment and the total interest you pay.

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