Frederick, MD · South · Not permitted
Payday loans in Frederick
Frederick is governed by Maryland's statewide lending law — cities don't set their own loan rules. Payday lending is not permitted in Maryland. Any company offering two-week, high-fee loans here is operating outside state law — the state regulator is the right place to report it.
No license exists for this product in this state, so any lender offering it deserves a report.
Lending storefronts in Frederick
70,060 residents · Frederick County Median household income is $64,700 — below the Maryland median of $82,390.
3 storefront locations of 3 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Credit Direct Installment Loans | 5275 Westview Dr Ste 120, 21703 | (866) 414-4198 | Mon 9:00 AM - 8:00 PM · hours vary |
| Debt Rx Debt Relief Services, Installment Loans, Financial Advising | 5257 Buckeystown Pike Ste 127, 21704 | (844) 334-4734 | Mon–Fri 9:00 AM - 6:30 PM · Sat–Sun Closed |
| Mariner Finance Installment Loans | 454 Prospect Blvd, 21702 | (301) 662-1122 | Mon 9:00 AM - 5:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Maryland page before visiting. Spot an error? Report it.
The online route in Frederick
The Maryland ban covers every lender serving Frederick residents, online or off. Sites that still advertise high-fee short-term loans here route through partner banks or tribal charters outside state licensing — treat them accordingly.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Maryland regulator.
The rules behind the numbers
Payday lending is illegal in Maryland under state small loan interest rate caps.
Statute: Md. Code Ann., Com. Law § 12-301 et seq.
Regulator: Maryland Office of the Commissioner of Financial Regulation · labor.maryland.gov
Questions people ask in Frederick
Are payday loans legal in Frederick, MD?
No. Payday lending is illegal in Maryland under state small loan interest rate caps. The ban applies to Frederick like every other city in the state — any store or site offering two-week, high-fee loans here is operating outside the law.
Where can I borrow legally in Frederick?
Federal credit-union PALs (28% APR ceiling), installment lenders priced under the state cap, employer advances, and local assistance programs. Each costs a fraction of payday pricing.
A storefront in Frederick offered me a payday loan. Is that legal?
No. The state ban covers every lender making loans to Maryland residents, wherever the company is based. Save the contract, the website and the payment details — they are evidence.
Who do I report an illegal lender to in Frederick?
Complaints about a lender go to the Maryland Office of the Commissioner of Financial Regulation (labor.maryland.gov) — keep the loan agreement and every fee disclosure you were given.