Personal loans in Sharptown, MD
The first question in Sharptown is not the rate on offer but whether the payment fits; about 698 people live here under Maryland lending law. Use the calculator on this page to price an amount and term before you commit in Sharptown.
With 698 residents, Sharptown outranks about 29% of the communities in Maryland. To lend to Sharptown's 698 residents, a company must hold a Maryland licence, and each sourced row below names the regulator behind it. Census figures put the 2020-to-2023 increase in Sharptown at about 0.9%. The nearest larger city is Hebron, MD about 8 miles away.
Borrowing in Sharptown: the local picture
Read the local figures below as context; read the sourced Maryland table as the rulebook a lender here must follow.
- Population: an estimated 698 residents, 111th of 157 places in Maryland (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 0.9% from 2020 to 2023.
- People gained or lost: about 6 more since the 2020 base.
- Size percentile: with 698 residents, Sharptown is larger than about 29% of Maryland's Census places.
- Population density: 1,654 people per square mile on 0.4 square miles of land.
- Land area rank: Sharptown's 0.4 square miles rank 114th of 157 places in Maryland.
- State share: roughly 0.0% of Maryland's residents live in Sharptown (698 people).
- National rank: Sharptown sits 11,811th by population among the 19,457 places in this dataset.
- Growth in Maryland: Sharptown stands 55th by percentage change from 2020 to 2023, among 157 places.
- State comparison: Maryland's places average +0.7% for 2020-to-2023, against Sharptown's 0.9%.
- Density rank: Sharptown is the 83rd most densely settled place in Maryland.
- Against the state median: Sharptown runs about 1,654 residents per square mile, where the Maryland median is 1,734.
- Location: the Census Gazetteer records it at 38.5382, -75.7190.
- Nearest larger cities: Hebron (8 mi); Laurel (8 mi); Blades (9 mi); Seaford (10 mi); Hurlock (10 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Galestown (2 mi); Brookview (5 mi); Eldorado (5 mi), each with its own Census population profile.
- Smaller neighbours: 40 places smaller than Sharptown sit within 50 miles.
- Larger places within 100 miles: 246.
The geography behind Sharptown
Inside Sharptown's boundaries lie about 0.4 square miles of land, with no significant water area recorded. That land carries about 1,654 people per square mile. The largest place in Maryland, Baltimore, lies about 71 miles away. Counting outward 50 miles, 52 larger communities surround Sharptown. The 100-mile radius contains 246 larger places.
The state rulebook for Sharptown
These are Maryland's sourced lending facts as they reach Sharptown's 698 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
How personal loans work in Sharptown
With roughly 698 residents, Sharptown is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Sharptown can be quoted different APRs on the same amount and term. The term you choose in Sharptown decides the split between a comfortable payment and the total interest you pay.
A practical checklist for Sharptown borrowers
Complete these steps first when you borrow in Sharptown (698 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Maryland licence with the regulator named above before committing.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
The process is identical across Maryland; what changes is your credit file, not the fact that Sharptown holds 698 people.
Sharptown in state context
Set beside Maryland's 157 places, Sharptown ranks 111th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Sharptown stands 55th among Maryland's 157 places — roughly the 65th percentile. Its roughly 1,654 residents per square mile place it 83rd among Maryland's places. By land area, its 0.4 square miles rank 114th of 157 places in Maryland.
Common questions
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Nearby places
- Galestown, MD — population 114
- Brookview, MD — population 47
- Eldorado, MD — population 46
- Mardela Springs, MD — population 354
- Bethel, DE — population 259
- Hebron, MD — population 1,105
- Vienna, MD — population 272
- Laurel, DE — population 4,275