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Frequently Asked Questions

Bay Country Financial offers secured personal loans to be used for any purpose, from debt consolidation to home improvements or emergency expenses. We also offer a complete line of auto financing options to get you on the road fast.

Bay Country usually accepts all passenger vehicles 15 years or newer subject to mileage and condition of the vehicle.

A secured loan uses collateral to protect the lender in case of default. An unsecured loan is based on a borrower’s “risk” to the lender. Secured loans carry a lower risk of loss to the lender, so they generally have lower interest payments.

Yes! Reach out to a Bay Country Financial loan officer in our Reisterstown, Glen Burnie, or Easton offices and find out how we can help you. Even when other lending institutions say no, we are the company that says YES.

Bay Country Financial offers same-day approvals, fast access to your funds, no application fees, and convenient, budget-friendly repayment terms and options.

Bay Country Financial offers borrowers’ loans from $750 to $50,000 in funding.

Bay Country Financial doesn’t lend based on credit score alone. Instead, we look at other metrics including employment, expenses, and other factors to determine a borrower’s ability to repay the loan.

Absolutely not. Other lenders may request direct access to credit cards for debt consolidation, or invoices for home improvement loans. We believe in freedom of funds. Use your funds for large purchases, vacations, medical bills, debt consolidation, home improvement, large purchases, or whatever planned or unplanned expense you need them for.

You can apply over the telephone, visit us at baycountryfinance.com/your-loan-application and apply online, or visit one of our convenient locations during normal business hours.

Regardless of how you apply for a loan the whole process should take about 15 minutes!

You should receive a loan decision within one hour and in some cases have your money the same day your loan is approved!

Bay Country Financial has three convenient locations throughout Maryland:

Glen Burnie
6619 Ritchie Hwy, Suite 13
Glen Burnie, Maryland 21061

11815 Reisterstown Rd
Reisterstown, Maryland 21136

8221 Teal Dr, STE 103
Easton, Maryland 21601