See real Maryland personal loan rates by credit score and loan length, updated weekly. See rates and best rated lenders in Maryland’s main cities and statewide.
Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
<< Human Powered Recommendations from Maryland’s Personal Loan Borrowers >>
Maryland Personal Loan Rates –
Find personal loan rates by credit score and loan length on Maryland. National, banks, credit unions, online lenders rates are for a 36 months terms. Rates are community provided by Maryland borrower who received a quote(s) or applied for a loan in the last 30 days.
| Credit Score | ||||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | 560 - 619 | |
| Nationally | 11.35% | 14.12% | 18.95% | 22.45% |
| Maryland | 11.37% | 14.07% | 18.95% | 22.50% |
| Credit Unions | 9.95% | 12.65% | 17.53% | 21.08% |
| Online lenders | 10.87% | 14.07% | 20.45% | 26.50% |
| Banks | 11.37% | 14.07% | 18.95% | 22.50% |
| 24 month | 10.71% | 13.41% | 18.29% | 21.84% |
| 36 month | 11.37% | 14.07% | 18.95% | 22.50% |
| 48 month | 11.87% | 14.57% | 19.45% | 23.00% |
| 60 month | 12.37% | 15.07% | 19.95% | 23.50% |
Source: MFP’s Community Personnal Loan Rates Survey from the last 30 days.
Maryland Best Personal Loan Lenders
Baltimore, Columbia, Germantown, Frederick, Waldorf, Silver Spring, Ellicott City, Glen Burnie, Online.
Maryland Personal Loans Lenders Satisfaction
Performance and satisfaction of personal loan lenders across Maryland by types of lenders.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.73 | 4.71 | 4.75 | 94.2% |
| Community Banks | 4.49 | 4.49 | 4.59 | 89.8% |
| Online Lenders | 4.65 | 4.45 | 4.55 | 87.5% |
| Banks | 4.26 | 4.26 | 4.34 | 84.9% |
Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.
Recommendations are gathered from 1,068 local Maryland residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
Baltimore Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Baltimore’s area are SECU Credit Union, MECU Credit Union and First Financial Federal Credit Union.
- SECU Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Baltimore-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- MECU Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- First Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SECU Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| MECU Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| CFG Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
Columbia Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Columbia’s area are SECU Credit Union, Tower Federal Credit Union and First Financial Federal Credit Union.
- SECU Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Columbia-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Tower Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- First Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SECU Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Tower Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Sandy Spring Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
Germantown Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Germantown’s area are SECU Credit Union, NIH Federal Credit Union and Tower Federal Credit Union.
- SECU Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Germantown-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- NIH Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Tower Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SECU Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| NIH Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Tower Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| NASA Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Sandy Spring Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Capital One | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Frederick Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Frederick’s area are Nymeo Federal Credit Union, SECU Credit Union and NIH Federal Credit Union.
- Nymeo Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Frederick-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- SECU Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- NIH Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Nymeo Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| SECU Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| NIH Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Sandy Spring Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Woodsboro Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Waldorf Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Waldorf’s area are Navy Federal Credit Union, SECU Credit Union and Educational Systems Federal Credit Union.
- Navy Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Waldorf-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- SECU Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Educational Systems Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| SECU Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Educational Systems Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| NASA Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Sandy Spring Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Silver Spring Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Silver Spring’s area are SECU Credit Union, NIH Federal Credit Union and Educational Systems Federal Credit Union.
- SECU Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Silver Spring-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- NIH Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Educational Systems Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SECU Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| NIH Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Educational Systems Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| NASA Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Sandy Spring Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Capital One | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Ellicott City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Ellicott City’s area are SECU Credit Union, Tower Federal Credit Union and First Financial Federal Credit Union.
- SECU Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Ellicott City-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Tower Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- First Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SECU Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Tower Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| NASA Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Sandy Spring Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Glen Burnie Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Glen Burnie’s area are SECU Credit Union, Tower Federal Credit Union and Navy Federal Credit Union.
- SECU Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Glen Burnie-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Tower Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Navy Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SECU Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Tower Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Navy Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| NASA Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Sandy Spring Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Maryland Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Maryland’s area are SECU Maryland, MECU Credit Union and Tower Federal Credit Union.
- SECU Maryland ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its top position because customers point to flexible loan access, clear borrowing terms, and helpful service during the personal loan process.
- MECU Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight easy online application access, clear no-fee loan options, and useful help when applying.
- Tower Federal Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Loan Terms & Rate Satisfaction score among the top 3.
- Borrower feedback supports its top-3 placement because customers point to competitive personal loan options, dependable online access, and helpful service for Maryland borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SECU Maryland | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| MECU Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Tower Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| APG Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 91% |
| Andrews Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| Alliant Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |