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
Tel:410-863-8800

Reisterstown
11815 Reisterstown Rd
Reisterstown, Maryland 21136
tel:410-833-8200

Easton
8221 Teal Dr, STE 103
Easton, Maryland 21601
tel:410-822-0599

The Greatest Compliment Our Clients Can Give is the Referral of Their Friends and Loved Ones.

Bay Country always comes through when I’ve needed them

Eric Johnson

4/23/2024

The office was very pleasant from start to finish. I had no issues and they came through for me.

Marie Beresford

4/11/2024

The office staff at my branch are amazing. I've been with my brach for over 10 yrs. Even during Covid they worked with customers to help through those dark times. Like I said My Branch is tops. They've always been upfront with everything.

donald busick

3/26/2024
Quick service. Very accommodating. Thank you for the help. 10/10 would recommend

Tristan Sepe

3/23/2024

Customer service was great, they were super friendly and made sure I understood every step of the process.

Tyshauna Beasley

3/14/2024

Great staff & Great service!

Gina Scherl

3/12/2024
I happen to have a few unexpected emergencies come up in the last couple of months. It did wrecked havoc on my financial status. So I went to Bay Country Financial and received excellent service from the time I walked in! They were friendly and helpful. I highly recommend using them if you happen to have some financial difficulties in your life. Have a great day.

Bernard Priest

2/16/2024

Never been treated better by people I didn’t know. Shame the world can’t act the same. Appreciate it

Fred Sanford

2/10/2024

Great first time experience overall. Fast and efficient. Highly recommend for any financial service.

Mike Ortiz

12/30/2023
I have used Bay Country Glen Burnie for years! They are always so nice and accommodating.

Theresa Abel

12/23/2023

This is my 2nd go round as with my previous experience it was a Breeze I was and felt Respected by the Staff if you need a loan give Bay Country a call

Bennie Barnette

12/08/2023

I've returned from many years ago to get another loan. It was quick and easy. I know everyone has a time where they just need a little help and they are a great resource. The only thing is hard to find someone to cash the check. I would suggest having a direct deposit option for loans

Lisa W

12/08/2023
Tony was very patient and a honor to work with

Lawrence Horton

11/30/2023

Very prompt and smooth process

Shaya Noel

11/29/2023

Great Customer Service an amazing company thanks you guys I really appreciate everything

Sharika Myers

11/23/2023
Very very efficient and very professional with great customer service

Barry Davis

11/22/2023

Love doing business with Bay County Always satisfied customer.

Melissa Wilson

11/10/2023

Was very helpful, answered all my questions .

Wilfred Wilcoxen

11/09/2023
John from the Glen Burnie office was awesome. Made it easy!

Scott Brennan

11/08/2023

Nice friendly helpful people! Appreciate you guys for getting me in and out with what I needed!! Fast process and didn’t feel like I was pressured into doing anything..thanks again and also for the pen and mini flashlight!

KFTSXMATERIALISTIC

10/18/2023

Very friendly staff. I would recommend them to a friend.

Cindy Watts

10/18/2023
Awesome. Quick process and right to the point.

Cheryl Baker

10/10/2023

I went in not knowing what to truly expect, There so many companies making promises but they are straight business. They deliver what they tell you with no nonsense. I will definitely refer them and do business again.

James Kipp

9/30/2023

This is a very good Finance Company to get a loan from. They are courteous and respectful and very responsive to your needs. I highly recommend them for loans.

Dawn King Nartey

9/30/2023
Very pleasant and Knowledgeable

Michelle Keys

9/29/2023

The greeting when you walk in is pleasant and the service customer service was nice made sure I under the process the interest is high though you gotta do what you gotta do

Hathi Brooks

9/28/2023

Rada did an excellent job in explaining the loan to me.Great customer service

Dwayne

9/28/2023
I would definitely recommend this place. They help borrowers qualify for their loan even with imperfect credit and I was one of them. The loan process was quick, smooth and I was in and out of their office within an hour. Great customer service!!!

Erica Eromosele

9/02/2023

Good morning everyone. I had to recant my post because once the Branch Manager Autumn got wind of my situation she contacted me immediately and got me the deferred payment I so desperately needed. I have to say that Autumn I truly understand why you’re the branch manager because you were born to be a leader. I wish you and your family many blessings in 2023 and the many years ahead. May god bless you and your family.

Mark proctor

8/31/2023

Happy customer service 🙂🙂

Michael Dunn

8/26/2023

Frequently Asked Questions

The Greatest Compliment Our Clients Can Give is the Referral of Their Friends and Loved Ones.

Best Loan Company in Glen Burnie, MD

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What types of loans does Bay Country offer?

What types of collateral does Bay Country accept?

What is the difference between a “secured” and an “unsecured” loan?

I’ve been turned down for loans before. Can Bay Country Financial Help Me?

Why is Bay Country Financial a good choice for my financing needs?

How much money can I be approved for with Bay Country Financial?

My credit score is less than perfect. How can Bay Country Financial help me?

Does Bay Country Financial limit the ways I can use my funds?

How can I apply for a secured loan with Bay Country?

How long does it take to apply for a loan?

When will I receive an answer on my loan application?

Is there a Bay Country Financial office near me?

The Greatest Compliment Our Clients Can Give is the Referral of Their Friends and Loved Ones.

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Best Loan Company in Reisterstown, MD

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