Personal Loans in Baltimore, MD

Whether it's debt consolidation, home improvement, or an unexpected expense - we match you with lenders offering competitive rates.

✓ No credit impact • ✓ 100% free • ✓ Takes 2 minutes

50,000+

People Matched

$25M+

In Approved Loans

4.8★

From Real Users

2 Min

Average Time

How It Works

Getting matched with the right lender is simple and fast

Tell Us About You

Quick 2-minute form. No impact on your credit score.

We Compare Options

Our platform searches hundreds of trusted lenders for you.

Choose Your Loan

Review personalized offers and select the best one.

Why Choose SwipeSolutions in Baltimore?

Built By Humans Who Get It

We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.

AI That Works For You

Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.

Personal Loans in Baltimore: What You Need to Know

Local lending landscape and Maryland regulations

713 Maryland Average Credit Score Ranked #22 in the U.S.

17.6% Subprime Borrowers Residents with credit below 670

$52,164 Baltimore Median Income Annual household income

107 Cost of Living Index Near average (100 = U.S. avg)

Maryland Lending Regulations

Maryland bans payday lending and caps small loan rates at 33% APR, providing moderate borrower protections.

Maximum APR: 33% for loans under $6,000

Payday Loans: ✕ Banned

Consumer Protections: Commissioner of Financial Regulation oversight

SwipeSolutions Tip for Baltimore Borrowers

Maryland banned payday lending with a 33% APR cap. Baltimore residents benefit from this protection but face economic challenges including 5.3% unemployment. State Employees Credit Union of Maryland and Municipal Employees Credit Union offer pathways to affordable credit.

"Maryland's 33% APR cap protects Baltimore borrowers from the worst predatory products - but always compare rates, as some lenders try to find loopholes."
- SwipeSolutions, Baltimore Market Analysis

Baltimore Personal Loans FAQ

Common questions from Baltimore residents

Yes! Baltimore residents can qualify for personal loans even with credit scores below 600. Our lending partners consider your whole financial picture, not just your credit score. Many Baltimore borrowers get approved within minutes.

Most Baltimore applicants receive a decision within 2-5 minutes. If approved, funds can be deposited as soon as the next business day. Some lenders offer same-day funding for qualified Maryland borrowers.

Our network includes lenders who work with credit scores as low as 500. Better rates are available for scores above 580, but Baltimore residents with any credit history are encouraged to check their options with no impact to their score.

Yes, absolutely! Our service is 100% free for Baltimore borrowers. We're compensated by lenders when we successfully match them with qualified applicants. You'll never pay a fee to use our platform.

Ready to Find Your Loan in Baltimore?

Join 50,000+ borrowers who found hope and financial solutions.