Vienna at a glance
- Population: 272 people, the 139th-largest place among Maryland's 157 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 269 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 1.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Maryland places: the 139th-largest of 157 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 11% of Maryland's Census places by population (US Census Bureau).
- Coordinates: 38.4811 / -75.8318, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Mardela Springs, MD (4 mi); Sharptown, MD (7 mi); Hebron, MD (9 mi); East New Market, MD (9 mi); Hurlock, MD (10 mi) (US Census Bureau populations).
- Smaller places close by: Brookview, MD (7 mi); Eldorado, MD (7 mi); Galestown, MD (8 mi) (US Census Bureau).
What a personal loan costs in Vienna
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Maryland lending rules that apply in Vienna
The table lists the Maryland rules that apply to a loan made in Vienna, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 24% per year effective simple interest for qualifying loans (Md. Code Com. Law § 12-103(c)); otherwise 8% (written agreement) or 18% Source says: "a lender may charge an effective rate of simple interest not in excess of 24 percent per year on the unpaid principal balance" | Maryland General Assembly as of 2026-09-16 |
| Payday lending status | Regulated as consumer loans: licensing and statutory interest-rate limits apply to payday-style loans (OFR) Source says: "they are prohibited from charging or receiving an interest rate that is greater than authorized by the laws of this State" | Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer Lender license required to make loans under the Maryland Consumer Loan Law (Com. Law § 12-301 et seq.) Source says: "A Consumer Lender is a business that makes any loan or advance of money or credit under the Maryland Consumer Loan Law" | Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16 |
| State lending regulator | Office of Financial Regulation; Commissioner of Financial Regulation (Maryland Department of Labor) Source says: "is Maryland's consumer financial protection agency and financial services regulator" | Maryland Department of Labor as of 2026-09-16 |
| OFR consumer-loan interest-rate limits | 2.75%/month (33%/yr) on the first $1,000 of a loan ≤$2,000; 2%/month (24%/yr) thereafter and on loans over $2,000 Source says: "Maximum interest rate allowed by law is 2.75% per month or an annual interest rate of 33%" | Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16 |
How to compare offers in Vienna
A few practical steps will make the process in Vienna less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Maryland using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.