Church Creek at a glance
- Population: the Census estimates 104 residents, ranking 152nd of 157 places in Maryland (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 102 (US Census Bureau).
- 2020 to 2023 change: up about 2.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Maryland places: 152nd largest of 157 (US Census Bureau).
- Size percentile: larger than about 3% of the Census places in Maryland (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.5049, -76.1540.
- Nearest larger cities (within 120 miles): Cambridge, MD (5 mi); Trappe, MD (12 mi); Oxford, MD (13 mi); Secretary, MD (13 mi); East New Market, MD (14 mi) (US Census Bureau populations).
- Nearest smaller communities: Brookview, MD (20 mi); Eldorado, MD (20 mi); Eagle Harbor, MD (29 mi), each a US Census place.
What a personal loan costs in Church Creek
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Church Creek
The Maryland rate caps and licensing rules that reach Church Creek are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Church Creek
Before you share your details with a lender in Church Creek:
- 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.