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Find the Best Personal Loans in Baltimore, MD

Most Americans don’t have enough money to cover an emergency $1,000 expense. That’s where personal loans can help. Interest rates are lower than on credit cards, and you pay back the loan in monthly installments over an extended period. Our partners at We researched the best personal loans in Baltimore so you know where to apply.

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    Compare Top Personal Loans

    Overall satisfaction rating
    • Clear payment terms
    • Won't impact your credit score
    • Available in Baltimore
    • Fixed term plans

    Apply with us today!

    Read More
    Overall satisfaction rating
    • Same-day loan decisions
    • Available in Baltimore
    • Funds available within 3 business days
    • Apply online

    FreedomPlus is an online loan broker that provides loans from $7,500 to $40,000. Get approved in less than a day, and you could receive funds in as little as 48 hours.

    Learn More (800) 368-0061 Read More
    MECU of Baltimore
    • Unsecured loans up to $30,000
    • Collateral loans
    • No minimum credit score
    • Preferred credit plans
    1 South St.
    Baltimore, MD 21202
    (410) 752-8313
    Read More
    Bay Country Financial Services
    • Sales financing
    • Application online
    • Tuition loans
    • Consolidation plans
    11815 Reisterstown Rd.
    Baltimore, MD 21136
    (410) 833-8200
    Read More
    Mariner Finance
    • M: 9am - 5pm
    • T: 9am - 7pm
    • W-Th: 9am - 5pm
    • F: 9am - 5:30pm
    7682 Belair Rd.
    Baltimore, MD 21236
    (410) 882-5200
    Lendmark Financial Services
    • M-F: 8:30am - 5pm
    • Closed Sat and Sun
    • lendmarkfinancial.com
    7620 Belair Rd.
    Baltimore, MD 21236
    (410) 665-8100
    OneMain Financial
    • M, W-F: 8:30am - 5:30pm
    • T: 8:30am - 7:30pm
    • Closed Sat and Sun
    • onemainfinancial.com
    8600 La Salle Rd., Ste. 400
    Towson, MD 21286
    (410) 823-3200
    Friendly Finance Corporation
    • M-F: 9am - 5pm
    • Sat: 9am - 4pm
    • Closed Sun
    • friendlyfinancecorp.com
    6340 Security Blvd., Ste. 200
    Baltimore, MD 21207
    (402) 391-1224
    • M-Th: 9am - 4pm
    • F: 9am - 5pm
    • Closed Sat and Sun
    • bbt.com
    4460-A W. Northern Pkwy.
    Baltimore, MD 21215
    (880) 226-5228
    First National Bank
    • M-Th: 9am - 5pm
    • F: 9am - 6pm
    • Closed Sat and Sun
    • fnb-online.com
    300 E. Lombard St.
    Baltimore, MD 21202
    (443) 948-5634

    How to choose a personal loan company in Baltimore

    Baltimore skyline

    Baltimore borrowers most commonly take out personal loans to pay down credit cards, consolidate debt or remodel homes. But personal loans can be used for pretty much anything, including moving, medical bills, a wedding or vacation.

    Personal loans have other benefits. If you have good enough credit, it’s possible to borrow thousands of dollars, and many loans are unsecured, or don’t require the borrower to put up collateral like a car or home.

    There are different types of personal loans in Baltimore. A personal loan is either secured or unsecured and has either a fixed or variable interest rate. Loan terms, or the amount of time you have to repay the loan, usually run from one to five years.

    Personal loans in Baltimore are available from online lenders, banks and credit unions.

    Lender What to expect
    Online lender Web-based application process; quick lending decision; fast, electronic transfer of funds
    Bank Online and in-person application; personalized service; higher credit requirements
    Credit union Lower credit requirements; smaller loan amounts; secured and unsecured loans; personalized service

    With any type of lender, the higher your credit score, the better chance of getting the loan terms you desire. One of the first things to do is check your credit report to make sure it is accurate. Your credit score is based in part on your credit report.

    The application process may vary slightly from lender to lender. Make sure you have ready your ID, Social Security number, proof of income (like a pay stub) and proof of address (like a utility bill).

    Compare different offers for the total cost of the loan, including interest and any charges like an application fee, origination fee or penalties for late payments or prepayment.

    Before you sign, review the terms carefully. Federal law requires lenders to clearly show a borrower all fees due over the life of the loan. After the loan is finalized, expect funds to be available for use within 48 hours.

    Personal Loans Reviews

    Best Egg

    Best Egg offers personal loans between $2,000 and $35,000. This online lender makes it easy to apply and get money via electronic transfer in as little as one business day. Check rates in just minutes with no effect on your credit score. Best Egg personal loans have no prepayment penalty and have flexible terms to keep charges and monthly payments low. Reviewers love the quick application process and helpful customer support.

    Best Egg


    FreedomPlus is an online lender with personal loans up to $40,000. After applying, you’ll get a same-day credit decision, and approved applicants get funds within 3 business days. Personal loans from FreedomPlus have no hidden fees or prepayment penalty, and your personal information is always secure. Customers like that the company considers more than just applicants’ credit scores when making lending decisions.

    FreedomPlus Learn More (800) 368-0061

    MECU of Baltimore

    Since 1936, MECU of Baltimore has offered customers better rates and lower fees. Members have options of both secured and unsecured personal loans. Visit the website to see current rates and repayment terms and apply online. Many customers have been with MECU of Baltimore for years and like the benefits that extend to borrowing.

    MECU of Baltimore

    Bay Country Financial Services

    Bay Country Financial Services promises efficient, confidential and flexible loan solutions for customers. Personal loans are available even for borrowers with less-than-perfect credit. The company’s website has a simple and secure loan application for customers to apply for up to $50,000. Reviewers say Bay County Financial Services has loans for all purposes and like the personalized service.

    Bay Country Financial Services