- Payday loans are legal in Delaware under the Delaware short-term consumer loan law (HB 289, 2012).
- The typical APR on a $400 payday loan in Delaware was 639% (CRL, June 2023, from state regulator data).
- Delaware law sets no cap on payday loan fees, so prices vary widely by lender.
Payday loan rules in Delaware
| Rule | Delaware |
|---|---|
| Maximum loan | $1,000 (short-term consumer loan) |
| Loan term | Repayment period under 60 days |
| Loans per year | No more than five short-term consumer loans in any 12-month period |
| Rollovers | Up to four |
| Fee cap | No APR cap |
Rules checked 2026-10-04. Laws change, so confirm current limits with the Delaware Office of the State Bank Commissioner.
What a payday loan costs in Delaware
The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in Delaware was 639%, based on data from the state regulator (June 2023). Use our cost calculator to turn any offer into an APR.
Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
How to check a lender in Delaware
- Make sure the lender is licensed by the Delaware Office of the State Bank Commissioner. Many lenders can also be looked up on NMLS Consumer Access.
- Get the APR and finance charge in writing before you sign. Federal law requires them.
- Be careful with online lenders that say Delaware law does not apply to them because they are tribal or offshore.
- File complaints with the state regulator and the CFPB.
Cheaper options in Delaware
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Delaware that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Delaware cities
Local guides for 47 Delaware cities and towns, with credit unions, nearby towns and the rules that apply.
- Payday loans in Wilmington
- Payday loans in Dover
- Payday loans in Newark
- Payday loans in Middletown
- Payday loans in Milford
- Payday loans in Smyrna
- Payday loans in Seaford
- Payday loans in Georgetown
- Payday loans in Millsboro
- Payday loans in Elsmere
- Payday loans in New Castle
- Payday loans in Clayton
- Payday loans in Laurel
- Payday loans in Camden
- Payday loans in Harrington
All 47 Delaware cities, A to Z
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Delaware?
Yes. Payday lending is legal in Delaware under the Delaware short-term consumer loan law (HB 289, 2012) and is regulated by the Delaware Office of the State Bank Commissioner.
What is the typical payday loan APR in Delaware?
The Center for Responsible Lending reported a typical APR of 639% on a $400 payday loan in Delaware, using state regulator data (June 2023).
Where can I complain about a payday lender in Delaware?
Contact the Delaware Office of the State Bank Commissioner and file a complaint with the Consumer Financial Protection Bureau.