Personal loans in Temple Hills, MD
Two people with the same credit score can be offered different rates in Temple Hills, Maryland — one from a bank, one from an online lender. Maryland requires consumer lenders to be licensed, and the regulator named below is the one that supervises them. That is why a rate you see advertised nationally may not be available on the terms shown where you live. Check your debt-to-income ratio first; it is one of the figures lenders weigh most heavily. Nothing on this page is a loan offer, and no figure here is a quote.
What to know before you borrow in Maryland
| Interest rate cap (usury limit) | Usury limit: 6% (Md. Const. art. III, § 57); 8% for written agreements (Md. Commercial Law Code Ann. § 12-103). Finance rates and fees for licensed lenders: Consumer Loan: On a loan of $2,000 or less: 2.75% per month on the portion not exceeding $1,000 2% per month on the remainder On a loan of more than $2,000: 2% per month All other loans: 24% per annum.Source: Conference of State Bank Supervisors · as of 2026 |
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| Consumer lending regulator | Consumer lenders in Maryland are licensed and supervised by the Maryland Department of Labor, Office of Financial Regulation.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Maryland Office of the Attorney General.Source: Maryland Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans.Source: Consumer Financial Protection Bureau · as of 2024 |
See all Maryland lending rules →
Compare offers in Temple Hills
Use the APR calculator if an offer quotes an interest rate and a separate fee - the APR is the number that lets you compare it fairly with other offers.
Then check affordability with the debt-to-income calculator before you submit an application.
Check your rate with a lending partner in about two minutes. Checking does not affect your credit score.
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Frequently asked questions
Can I get a personal loan in Temple Hills, Maryland?
Personal loans are offered in Temple Hills by banks, credit unions and online lenders, subject to Maryland licensing rules and the lender's own criteria. There is no city-level restriction; eligibility depends on your credit, income and the lender.
What credit score do I need for a personal loan in Temple Hills?
Lenders do not publish a single cutoff, and it varies by lender. A higher score generally means a lower rate. Checking pre-qualification usually involves a soft credit pull that does not affect your score.
Does Maryland cap the interest a lender can charge?
Yes, Maryland sets its own consumer lending rules, including any rate or fee limits. The sourced table above names the regulator and the statute for each figure.
How much can I borrow in Temple Hills?
Loan amounts depend on the lender and your income and credit profile rather than on the city. Use the calculators above to see what a given amount and term would cost you each month.
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