Maryland Code, Commercial Law § 12-612

(a) Notwithstanding the provisions of § 12-601(k) of this subtitle, for the purposes of this section, “goods” means any personal property bought for use primarily for personal, family, or household purposes regardless of the cash price of the goods.

(b) A buyer may prepay at any time, without penalty, all or part of the outstanding balance payable under an installment sale agreement relating to consumer goods.

(d) If a prepayment is made, the holder is entitled to retain a finance charge of at least $6.

(e) If the amount of the credit prepayment is less than $1, no refund need be made.