Best Personal Loan Rates in Essex, Maryland - June 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 Essex, Maryland include: Washington County Teachers Federal Credit UnionWashington County Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.90% offering Used 2024-2025 Loan at 4.00% APR, First Financial of Maryland FCUFirst Financial of Maryland FCUA+5.0 ★Texas Ratio: 1.51% offering 5 year Loan at 4.03% APR, WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.46% offering Used Model Years 2021-2023 Loan at 4.24% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, and Northwest Federal Credit UnionNorthwest Federal Credit UnionA+5.0 ★Texas Ratio: 2.13% offering New 2026 Loan at 4.59% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Essex borrowers have access to 42 lenders serving the Maryland area, with personal loan rates as low as 4.00% APR from Washington County Teachers Federal Credit Union. 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 Essex, Maryland.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Essex, 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 16, 2026
Essex Personal Loan Rates
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
As Low As; APR*
No additional details available.
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Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As
Maximum LTV: 90% LTV
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As Low As; APR*
3 year balloon
As Low As
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 4.99* % APR
As Low As; APR*
As Low As
Maximum LTV: 90% LTV
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As; Minimum Financing of $10,000 for 60 Months
5 year balloon
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*
As Low As
Maximum LTV: 90% LTV
As Low As
As Low As
Maximum LTV: 90% LTV
As Low As; APR*
As Low As; APR*
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
As Low As
As Low As; Minimum Financing of $15,000 for 72 Months
Limit: $15k or over
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
No additional details available.
Maximum LTV: 90% LTV
Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; Learn More
Includes .25% auto pay rate discount.
No additional details available.
No additional details available.
As Low As; APR
Maximum LTV: 90% LTV
As Low As; Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.
As Low As; APR
Loan amounts of $500 - $5,000
As Low As; 6.99%
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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.
No additional details available.
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Loan Amount: $200
No additional details available.
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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.
As Low As; Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.
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As Low As; 7.49% APR
As Low As; 7.49% APR
As Low As; 7.49% APR
Loan amounts of $500 - $30,000
As low as 7.49% APR*
No additional details available.
No additional details available.
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
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As Low As; APR
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
No additional details available.
As Low As; 7.74% APR
As Low As; Minimum Loan Amount:
Amount Financed: up to $20,000
No additional details available.
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.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
No additional details available.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As; Rates accurate as of 12.01.25.
As Low As; APR
Includes .25% auto pay rate discount.
As Low As; Minimum Loan Amount:
No additional details available.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount:
No additional details available.
Monthly Payment (per $1,000)
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As Low As
As Low As; Limits up to $25,000
Loan amounts of $5,000 - $30,000
As Low As; Minimum loan amount $7,500+
No additional details available.
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As Low As
No additional details available.
As Low As; Borrower must have at least three years of job history.
Includes .25% auto pay rate discount.
As Low As; Minimum Loan Amount: $5,000
As Low As
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.
As Low As; Fixed APR
No additional details available.
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Up to $5,000; As Low As; *
No additional details available.
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No additional details available.
Fixed Rate
Loan amounts of $500 - $1,000
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$1,500
As Low As; Fixed
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Essex Personal Loan Rates
Includes .25% auto pay rate discount.
As Low As; Learn More
As Low As
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As Low As; 6.99%
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; Funding For Your Summertime | Loan amounts up to $45,000
As Low As; Minimum Loan Amount:
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As; Minimum loan amount $500+
As Low As; Rates accurate as of 12.01.25.
Includes .25% auto pay rate discount.
As Low As; Minimum Loan Amount:
As Low As; Minimum Loan Amount:
As Low As
As Low As
As Low As; Minimum loan amount $7,500+
Loan amounts of $5,000 - $30,000
Includes .25% auto pay rate discount.
As Low As; Minimum Loan Amount: $5,000
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
Up to $5,000; As Low As; *
As Low As
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As Low As; Fixed
Essex Debt Consolidation Loan 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 4.99* % APR
No additional details available.
No additional details available.
As Low As
Essex Signature Loan Rates
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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
No additional details available.
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.
As Low As
Amount Financed: up to $20,000
No additional details available.
No additional details available.
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.
As Low As; Fixed APR
Up to $5,000; As Low As; *
No additional details available.
Fixed Rate
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As Low As
Essex, MD Personal Loan Rate Trends
Compare local Essex, 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 fell 0.718 points over the past 7 days to 9.325% APR.
Maryland signature loan rates rose 0.027 points over the past 7 days to 10.149% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Essex, 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 Essex, 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 Essex, 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 Essex, Maryland?
What are the best personal loan rates in Essex, Maryland?
- Washington County Teachers Federal Credit Union: 4.00% (Used 2024-2025 Loan)
- First Financial of Maryland FCU: 4.03% (5 year Loan)
- WEPCO Federal Credit Union: 4.24% (Used Model Years 2021-2023 Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Northwest Federal Credit Union: 4.59% (New 2026 Loan)
Personal Loan Calculators
