- Payday loans in Clayton follow Delaware law (Delaware short-term consumer loan law (HB 289, 2012)).
- Delaware law sets no cap on payday loan fees, so prices vary widely by lender.
- The nearest larger city is Dover, about 10 miles away.
Clayton at a glance
| Clayton | |
|---|---|
| Population (2024 Census estimate) | 4,511 |
| Change since 2020 | +13.1% (growing fast) |
| Counties | Kent County and New Castle County |
| Size rank among 47 Delaware places we cover | 12th |
| Nearest larger city | Dover (about 10 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in these counties | 13 |
| Other towns within 25 miles | 14 (about 100,056 residents) |
| Typical payday APR statewide (CRL 2023) | 639% |
There is no separate Clayton payday law: Delaware rules apply here, and any lender serving Clayton residents, online or in person, needs a license from the Delaware Office of the State Bank Commissioner.
Credit unions near Clayton
No credit union has its main office in Clayton, but these are based elsewhere in Kent County (NCUA, June 2026):
- Dover Federal Credit Union in Dover (federal charter — may offer payday alternative loans (PALs))
- Del-One Federal Credit Union in Dover (federal charter — may offer payday alternative loans (PALs))
- Provident Federal Credit Union in Dover (federal charter — may offer payday alternative loans (PALs))
- Eagle One Federal Credit Union in Claymont (federal charter — may offer payday alternative loans (PALs))
- Priority Plus Federal Credit Union in Wilmington (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Clayton
In short, Delaware rules that cover Clayton include: 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. See the full Delaware payday loan rules.
What a $300 loan costs in Clayton
The Center for Responsible Lending put the typical APR on a $400 payday loan in Delaware at 639% (June 2023). Delaware law sets no cap on payday loan fees, so prices vary widely by lender. Check any offer with our payday loan calculator.
Other help in Kent County before you borrow
Before a payday loan, Clayton residents can usually find something cheaper:
- Local assistance through 211 covering Kent County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Clayton
The nearest larger city is Dover, about 10 miles away. See all 47 Delaware cities.
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 Clayton?
Yes. Payday loans are legal in Clayton under Delaware state law, and lenders must be licensed by the Delaware Office of the State Bank Commissioner.
How much does a payday loan cost in Clayton?
Delaware law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 639% in 2023.
Where is the nearest credit union to Clayton?
No credit union is headquartered in Clayton, but Dover Federal Credit Union is based in Dover, also in Kent County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Delaware General Assembly — HB 289
- WHYY — Delaware limits payday loans
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary