Best Personal Loan Rates in Baltimore, Maryland - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Baltimore, Maryland include: First Financial of Maryland FCUFirst Financial of Maryland FCU8665 Pulaski Hwy Ste 118, Baltimore, MD, 21237 3028A+5.0 ★Texas Ratio: 1.51% offering 5 year Loan at 4.03% APR, Aberdeen Proving Ground FCUAberdeen Proving Ground FCU1631 Merritt Blvd, Baltimore, MD, 21222A+5.0 ★Texas Ratio: 5.98% offering Personal Loan at 6.34% APR, POCU of MarylandPOCU of Maryland900 E Fayette St Rm 606, Baltimore, MD, 21233 1050A+5.0 ★Texas Ratio: 4.06% offering Unsecured (Special) Loan at 7.85% APR, Fulton BankFulton Bank96 Village Sq, Baltimore, MD, 21210A+5.0 ★Texas Ratio: 4.98% offering Unsecured Optionline Tier 1 Loan at 8.00% APR, and State Employees Credit UnionState Employees Credit Union7906 Rossville Blvd, Baltimore, MD, 21236 3930A+5.0 ★Texas Ratio: 5.02% offering Undergraduate Loan at 8.75% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Baltimore has 11 local institutions in our database, with personal loan rates as low as 4.03% APR from First Financial of Maryland FCU at 8665 Pulaski Hwy Ste 118, Baltimore, MD, 21237 3028. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Baltimore, Maryland.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Baltimore, Maryland. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 29, 2026
Baltimore Personal Loan Rates
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Includes .25% auto pay rate discount.
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As Low As
No additional details available.
As Low As; Funding For Your Summertime. Loan amounts up to $45,000.
No additional details available.
No additional details available.
Includes .25% auto pay rate discount.
No additional details available.
Monthly Payment (per $1,000)
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Includes .25% auto pay rate discount.
No additional details available.
No additional details available.
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($500-$30,000*)
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Includes .25% auto pay rate discount.
No additional details available.
No additional details available.
Includes .25% auto pay rate discount.
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($2,500-$30,000*)
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($5,000-$30,000*)
No additional details available.
As Low As; Purchases
As Low As; Cash Advances
As Low As; Balance Transfers
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No additional details available.
$500
$200
As Low As; APR*
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As Low As; Minimum Financing of $10,000 for 60 Months
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As Low As; Minimum Financing of $15,000 for 72 Months
No additional details available.
As Low As; APR*
As Low As; APR*
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
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Maximum LTV: 90% LTV
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As Low As; Competitive rates for many short-term or one-time needs!
As Low As; APR*
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Maximum LTV: 90% LTV
As Low As; Minimum Financing of $25,000 for 84 Months
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).
As Low As
As Low As; APR*
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; APR*
As Low As; APR*
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
Maximum LTV: 80% LTV
As Low As; APR*
As Low As; APR*
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
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As Low As; APR*
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Limit: $15k or over
As Low As; Minimum Financing of $15,000 for 72 Months
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
No additional details available.
Maximum LTV: 90% LTV
No additional details available.
No additional details available.
As Low As; APR
Maximum LTV: 90% LTV
As Low As
As Low As; APR
As Low As
As Low As
Loan amounts of $500 - $5,000
As Low As
No additional details available.
Maximum Financed: $8,000; Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
As Low As; APR
No additional details available.
As Low As; Minimum Loan Amount: $200
As Low As; APR
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; APR
Payments on $1,000 at 7.25% APR* for 12 months would be just $86.06. APR (Annual Percentage Rate) is subject to change without notice. The quoted rate is the lowest available to qualified applicants without relationship pricing. The actual interest rate is based on individual credit history and relationship pricing.
Rates as low as 7.44% APR. No application fees, and no payment for 45 days.
Loan amounts of $500 - $30,000
As low as 7.49% APR*
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As Low As; 7.49% APR
As Low As; 7.49% APR
As Low As; 7.49% APR
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
No additional details available.
As Low As; APR
No additional details available.
As Low As; 7.74% APR
As Low As; Minimum Loan Amount:
As Low As; Minimum loan amount $500+
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As Low As; Maximum APR: 18.00%. Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change.
Amount Financed: up to $20,000
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As Low As; APR
As Low As; Minimum Loan Amount:
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount:
As Low As; Limits up to $25,000
Loan amounts of $5,000 - $30,000
No additional details available.
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As Low As; Minimum loan amount $7,500+
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As Low As; Borrower must have at least three years of job history.
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No additional details available.
As Low As; Minimum Loan Amount: $5,000
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No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
As Low As
Up to $5,000; As Low As; *
No additional details available.
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No additional details available.
No additional details available.
No additional details available.
Fixed Rate
Loan amounts of $500 - $1,000
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$1,500
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As Low As; Fixed
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No additional details available.
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As Low As; Fixed
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As Low As; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. APR is based on evaluation of applicant's credit. Your actual APR may vary.
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As Low As; Fixed
Baltimore Personal Loan Rates
Includes .25% auto pay rate discount.
As Low As
As Low As; Funding For Your Summertime. Loan amounts up to $45,000.
Includes .25% auto pay rate discount.
As Low As
Includes .25% auto pay rate discount.
($500-$30,000*)
Includes .25% auto pay rate discount.
Includes .25% auto pay rate discount.
As Low As
($2,500-$30,000*)
As Low As; *
($5,000-$30,000*)
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Minimum Loan Amount: $200
Rates as low as 7.44% APR. No application fees, and no payment for 45 days.
Loan amounts of $500 - $30,000
As low as 7.49% APR*
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As Low As; Minimum Loan Amount:
As Low As; Minimum loan amount $500+
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As Low As; Minimum Loan Amount:
As Low As; Minimum Loan Amount:
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As Low As; Minimum loan amount $7,500+
Loan amounts of $5,000 - $30,000
As Low As; Minimum Loan Amount: $5,000
As Low As
No additional details available.
No additional details available.
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Up to $5,000; As Low As; *
As Low As
As Low As; Fixed
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Baltimore Debt Consolidation Loan Rates
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Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).
As Low As
No additional details available.
No additional details available.
Baltimore Signature Loan Rates
No additional details available.
As Low As
Maximum Financed: $8,000; Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
As Low As
As Low As; Maximum APR: 18.00%. Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change.
Amount Financed: up to $20,000
As Low As
No additional details available.
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
Up to $5,000; As Low As; *
No additional details available.
Fixed Rate
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Baltimore, MD Personal Loan Rate Trends
Compare local Baltimore, MD personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maryland personal loan rates currently average 9.532% APR.
Maryland signature loan rates rose 0.703 points over the past 7 days to 10.842% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Baltimore, Maryland personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Baltimore, Maryland directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Baltimore, Maryland. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MD.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Maryland?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Maryland?
Are credit unions or banks better for personal loans in Baltimore, Maryland?
What are the best personal loan rates in Baltimore, Maryland?
- First Financial of Maryland FCU: 4.03% (5 year Loan)
- Aberdeen Proving Ground FCU: 6.34% (Personal Loan)
- POCU of Maryland: 7.85% (Unsecured (Special) Loan)
- Fulton Bank: 8.00% (Unsecured Optionline Tier 1 Loan)
- State Employees Credit Union: 8.75% (Undergraduate Loan)
Personal Loan Calculators
