Personal loans in Salisbury, MD
Two households in Salisbury with comparable incomes can still be offered different rates; the city's 33,159 residents are not the reason. The trend for Salisbury between 2020 and 2023 is upward by roughly 0.4%.
At about 33,159 residents, Salisbury is larger than roughly 94% of the places in Maryland. Pull your credit reports and line up at least three offers before you apply from Salisbury. Every figure below is Maryland's own, applied to Salisbury's 33,159 residents, with the publisher and retrieval date attached. A larger market lies at Dover, DE about 54 miles away.
Salisbury by the numbers
The figures below are Salisbury's own — Census population, land area and coordinates — followed by the Maryland rules.
- Population: about 33,159 people live here, which puts Salisbury 9th of 157 Census places in Maryland (Vintage 2023).
- Population trend: Up about 0.4% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 118 more since the 2020 base.
- Size percentile: Salisbury's 33,159 people outrank roughly 94% of the places in Maryland.
- Population density: 2,401 people per square mile on 13.8 square miles of land.
- Land area rank: Salisbury's 13.8 square miles rank 4th of 157 places in Maryland.
- Water: Salisbury holds about 0.48 square miles, the 6th-largest water area in Maryland.
- Within Maryland: about 2.1% of the state's population lives in Salisbury.
- National rank: Salisbury is 1,199th of 19,457 places nationwide.
- Growth in Maryland: Salisbury stands 63rd by percentage change from 2020 to 2023, among 157 places.
- Against the state trend: Salisbury's 0.4% change compares with a Maryland average of +0.7% across its 157 places.
- Density rank: Salisbury places 58th among Maryland's places by people per square mile.
- Density vs Maryland: Salisbury's 2,401 people per square mile compare with a state median of 1,734.
- Location: it lies at 38.3753, -75.5859 in the Census Gazetteer.
- Nearest larger cities: Dover (54 mi); Annapolis (64 mi); Bowie (74 mi); Vineland (82 mi); Baltimore (84 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Fruitland (4 mi); Delmar (5 mi); Hebron (6 mi).
- Within a 50-mile radius: 78 smaller Census places.
- Within 100 miles: 12 places are larger than Salisbury.
How a Salisbury personal loan is priced
Salisbury is a smaller city of about 33,159 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Salisbury loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Salisbury decides the split between a comfortable payment and the total interest you pay.
Lender access in Salisbury
Salisbury is fairly dense, with about 2,401 people per square mile and 0 larger places within 50 miles. Distance to a branch rarely matters for Salisbury's 33,159 residents: the application is online and the price follows your credit file. The nearest bigger place is Dover, DE about 54 miles away.
Salisbury on the map
Inside Salisbury's boundaries lie roughly 13.8 square miles of land and 0.48 square miles of water. The resulting density is about 2,401 people per square mile. Baltimore, the largest place in Maryland, is about 84 miles from Salisbury. Within 50 miles of Salisbury there are 0 larger Census places. The 100-mile radius contains 12 larger places.
Salisbury's place among Maryland's 157 places
Salisbury is the 9th-largest of 157 Census places in Maryland and contains about 2.1% of the state's people. For population change between 2020 and 2023, Salisbury ranks 63rd of 157 in Maryland (about the 60th percentile). Its roughly 2,401 residents per square mile place it 58th among Maryland's places. The population moved by about 118 people between 2020 and 2023, a 0.4% shift.
Maryland consumer-lending rules applied in Salisbury
This table holds the Maryland rate and licensing rules for consumer loans made to Salisbury's 33,159 residents.
| 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 |
Common questions
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Nearby places
- Fruitland, MD — population 5,869
- Delmar, MD — population 4,569
- Delmar, DE — population 2,216
- Hebron, MD — population 1,105
- Pittsville, MD — population 1,637
- Mardela Springs, MD — population 354
- Laurel, DE — population 4,275
- Bethel, DE — population 259