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Not allowed in Maryland

Payday loans are not allowed in Maryland

Maryland law does not allow payday loans, so there is no request form for them here. Here are other options and free help in Maryland.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the Maryland guide

Why this is not available

Maryland law does not allow payday loans, so we show no request form. Read the law: Md. Code, Commercial Law Title 12, Subtitle 3. Regulator: Maryland Office of the Commissioner of Financial Regulation (OCFR).

Payday loans in Maryland
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2] Not allowed Not allowed Not set by statute Not set by statute No separate payday-loan license exists Md. Code, Commercial Law Title 12, Subtitle 3
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in Maryland

Cheaper options to try first

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Maryland.

Other loan types allowed in Maryland

See every loan type Maryland law allows.

Payday loans in nearby states

Sources

  1. Justia. Md. Code, Commercial Law Title 12, Subtitle 3. Retrieved September 23, 2026.
  2. labor.maryland.gov. Maryland Office of the Commissioner of Financial Regulation (OCFR). Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Maryland. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Maryland? Contact the Maryland Office of the Commissioner of Financial Regulation (OCFR) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.