Payday Loans in Maryland and Baltimore
Apply Online at Your Fingertips!

If you are looking for payday loans in Maryland, Finger Finance is here to help you in just two clicks of the finger. From Baltimore, Columbia to Germantown, we offer $100 to $35,000 repaid over 1 to 60 months in monthly installments. Complete our online application and get an instant quote, with options for bad credit histories and no credit check options. For same day funds, click on the 'Get Started' button below!

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

How to Apply for a Payday Loan in Maryland with Finger Finance

At Finger Finance, we are proud to offer a completely online application process, simply submit a few details using our form and you will receive an instant decision on the screen. There are no fees for applying and an application will not impact your credit score in anyway. Subject to further checks, if your application is successsful, you can receive funds in 1 hour, 24 hours or the same day of applying.

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Step 1 - Apply Online

Click on ‘Get Started’ and complete some basic details about yourself – Choose how much you wish to borrow and how long for. This process takes less than 5 minutes and you will receive an instant decision on the screen.

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Step 2 - Receive Your Personalised Loan Offer

We will match your personal loan requirements with the US lender who is most likely to approve you and offer you a competitive rates. There are no fees and you can choose to proceed by signing the online loan agreement.

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Step 3 - Get Your Funds Today

If your loan application is successfully approved, you can receive the full loan amount into your checking account within 24 hours or the next working day.

What is a Payday Loan in Maryland and Balitmore?

A payday loan is commonly used to borrow money upfront until your payday from work. If we find ourselves in a financial position needing a little extra cash until the end of the month, a payday loan is paid to you upfront in one lump sum, can help you pay for your pressing bill or emergency expense – and then you simply repay the loan in full at the month on your next ‘payday.’

You also have the option to spread repayment over several months via installments if you prefer and this can be better for borrowing large sums.

This type of loan is designed to be short-term and can sometimes be a little more expensive than the average loan, but it can also be highly effective if you need money now and know that you can repay on time when the collections are due.

Where Can I Find a Payday Loan Near Maryland?

Finger Finance can offer loans across the entire state of Maryland, connecting your loan enquiry with the lender who is most likely to approve you, including products such as installment, payday, short term, title, personal and credit unions.

We can facilitate products in major towns and cities including Baltimore, Columbia, Germantown, Waldorf, Silver Spring, Frederick, Ellicott City, Glen Burnie, Gaithersburg and Bethesda.

Am I Eligible for a Maryland Payday Loan?

  • Must be over 18 years of age
  • US citizen
  • Live checking account (to receive funds)
  • A steady income of min. $800 monthly
  • Able to make repayments

What Information Do I Need To Apply?

  • Your full name
  • Your current address
  • Your date of birth
  • Cell number
  • Email address
  • Monthly income
  • Current employment information
  • How much you want to borrow
  • How long you want to borrow for
  • Your social security number (SSN)
  • Your checking account number

Do You Provide Payday Loans in Maryland with Bad Credit Scores?

Yes, it is possible to get a payday loan in Maryland or Baltimore with bad credit, since we work with a range of lenders who are willing to take a view on poor credit and different backgrounds. 

Our lenders understand that keeping a perfect credit score is not always realistic and there are some everyday emergencies that crop up and get in the way. In fact, our products are better suited for people who are looking for loans with bad credit and our companies will always take this into consideration. 

To be eligible with a bad credit score, you just need to meet the main requirements of having a stable income, employment and can afford to make monthly repayments. You may find that with poor credit loans, the rates charged are just a little higher to reflect the potential risks involved, but there are certainly loans available if you meet the initial criteria.

payday loans in maryland and baltimore

Can You Offer Payday Loans in Maryland with No Credit Checks?

If you are based in Maryland and looking for loans with no credit checks, this is not always that easy to find, since most lenders will run a credit check to determine whether you are eligible for a loan. This information allows a lender to see how well you have paid off other forms of credit in the past and if you have any loans outstanding.

However, if you are searching for no credit loans because you fear that you might be turned down, this does not have to be the case. There are a number of US lenders who can accommodate you and if you have bad credit, Finger Finance also works with title loans, secured loans and credit unions to help you find the right product for you.

Can You Help Me Find Same Day Loans in Maryland?

Yes, Finger Finance can help if you are looking for same day loans or loans in 24 hours in Maryland. When looking to borrow small amounts of $300 or $500, the process is often automated and if approved, you can receive money on the same day or within a few hours.

Always make sure that you meet the criteria provided and you can maximise your chances of receiving same day funds by applying during work hours and being readily available by email and phone to answer any follow up questions.

For larger loans of $1,000 or $2,000, this can sometimes take just a few days or a little longer to verify. So having a copy of your bank statement or pay stub on standby can be useful, just in case the lender needs to verify your income or employment. For our biggest loans of $5,000 or $10,000, this can take up to a week to be approved and funded.

How Do Repayments Work? And What Happens if I Cannot Repay?

Payday loans are usually collected at the end of the month or on your next payday from work – hence the average loan is around 4 to 6 weeks long. For longer term loans, you will usually repay in equal monthly installments over 6, 12, 24 or 60 months. 

You will have a scheduled repayment date each month and this is when the collections will come out of your bank account. Most of our customers choose the last working day of the month when they get paid from work. You will always be sent a reminder by SMS and email just before each collection, so that there are no surprises.

All repayments are completed automatically through ACH authorization – so you can expect the collections to just come out of your account when they are due and you do not need to call up the lender or go to the bank.

You will always have the option to repay early if you would like to and this will often save you money on the overall interest charged.

If you cannot repay your loan, this could potentially lead to late fees, added interest on top and a negative impact to your credit score. Always contact the lender as soon as you think that you are having repayment difficulties and they will always do their best to help you minimize costs and help you as much as they can.

How is Finger Finance Different When Applying for Payday Loans?

At Finger Finance, we are here to help you find the best payday loans available in Maryland. We understand that if you may have a financial emergency and we want to make life easier by helping your find the fastest and most effective loans – and offer a completely online experience.

There is no need to line up at a local store or bank looking for a loan, since we can connect you to a number of licensed and reputable US loan companies and help you find the finance that you need.

There are no upfront fees for using our connection service and there never will be. We simply take a small commission from the lender if your application is successful.

Simply click on the button below and you will be taken to our application form where you can complete your details in less than 5 minutes and get an instant decision on the screen. Subject to further checks, you can usually receive your money within a few hours or on the same day.

Frequently Asked Questions About Payday Loans in Maryland and Baltimore

How Much Can I Borrow From Finger Finance?

We offer loans ranging from $100 to $35,000 and the amount you can borrow depends on various factors including your credit score, monthly income, expenses and whether you have any other loans outstanding. Usually small amounts are designed for just a few weeks or months, with larger loans of $5,000 or $10,000 repaid over several months or years.

How Long Can I Borrow For?

Finger Finance offers loans that are repaid over 1 to 60 months in equal monthly installments. The average payday loans will usually last for 1 to 2 months, but installment loans or other personal loans repaid over several years. Bad credit loans may be repaid over longer terms, giving the customer time and breathing space to help repay their loan.

How Soon Can I Receive My Loan?

Our lenders aim to process and transfer loan enquiries as quickly as possible – with funding available within 1 hour, the same day or next business day. It is not unheard of to have loans funded in just 15 minutes.

Can I Apply for Payday Loans Online?

Yes, our entire loan application process is online from start to finish. From completing the application, getting a decision, signing the electronic loan agreement and receiving funds electronically to your bank account – the process is 100% online.

What Happens if My Loan is Rejected?

Nothing will happen if your loan is declined – there will be no charges or impact to your credit score. However, we have such a wide range of options that even if you are turned down because of your income or credit score, we may suggest alternative products such as working with credit unions or borrowing money against your car (known as a title loan). 

What is the Cost of a Payday Loan in Maryland?

The cost of a payday loan in Maryland ranges from 36% to 600% APR, depending on your income, credit score and affordability. Good credit customers who borrow over a longer term could access the lower rates starting from 36%, but this rate increases the riskier you potentially are as a customer.

So if you have bad credit, this could be as high as 500% or 600% APR depending on the state you live in and the price caps in this region. Payday loans look very expensive and they can look intimidating, but the rates charges are often inflated to compare the cost as though they last for a year, when actually they usually last for just a few weeks. 

Is Finger Finance a Payday Loans Direct Lender?

No, we are not a direct lender, we act as a broker, working with more than 50 US lenders who can offer different products and rates to help all of our different customers and their requirements. However, once you apply, you have the benefit of working with a direct lender every step of the way and one that is fully licensed and regulated, with no other middlemen involved.

Can I Repay My Loan Early?

Yes, you will always have the option to clear your account and repay your loan early. There is usually a login section on the website of your lender and you can simply log in and pay off the balance in full. Since your loan is charged on a daily interest rate, it is often cheaper to pay off the loan sooner, since less interest is being accrued overall. 

Do You Charge a Fee for Applying?

No, we do not charge a fee for applying and never will. You can have peace of mind that you can apply for free and there is no obligation.