Kitzmiller at a glance
- Population: 293 (US Census Bureau, Vintage 2023 subcounty estimate), the 135th-largest of 157 places in Maryland.
- 2020 Census base: 298 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Maryland places: 135th in population of 157 places (US Census Bureau).
- Size percentile: ahead of around 14% of Maryland places in population terms (US Census Bureau).
- Coordinates: it sits at 39.3892, -79.1833 in the US Census Bureau Gazetteer.
- Nearest larger cities: Deer Park, MD (8 mi); Piedmont, WV (10 mi); Loch Lynn Heights, MD (10 mi); Westernport, MD (10 mi); Mountain Lake Park, MD (11 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Elk Garden, WV (1 mi); Luke, MD (9 mi); Bayard, WV (13 mi) (US Census Bureau).
What a personal loan costs in Kitzmiller
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Maryland lending rules that apply in Kitzmiller
The sourced rows below are the rules a licensed lender must follow when lending in Maryland, and therefore in Kitzmiller.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kitzmiller
Before you share your details with a lender in Kitzmiller:
- 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.