- Payday loans in Delmar 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 48 miles away.
Delmar at a glance
| Delmar | |
|---|---|
| Population (2024 Census estimate) | 2,278 |
| Change since 2020 | +11.7% (growing fast) |
| County | Sussex County |
| Size rank among 47 Delaware places we cover | 23rd |
| Nearest larger city | Dover (about 48 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sussex County | 2 |
| Other towns within 25 miles | 15 (about 49,576 residents) |
| Typical payday APR statewide (CRL 2023) | 639% |
Payday lending in Delmar follows Delaware state law. Lenders that serve Delmar, in a store or online, must be licensed by the Delaware Office of the State Bank Commissioner.
Credit unions near Delmar
No credit union has its main office in Delmar, but these are based elsewhere in Sussex County (NCUA, June 2026):
- Tidemark Federal Credit Union in Seaford (federal charter — may offer payday alternative loans (PALs))
- Delaware State Police Federal Credit Union in Georgetown (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 Delmar
The main Delaware rules for a payday loan in Delmar: 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 Delmar
Delaware law sets no cap on payday loan fees, so prices vary widely by lender. Statewide, the typical APR on a $400 payday loan was 639% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Sussex County before you borrow
- Call or text 211 for help with rent, utilities and food in Sussex County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Delmar
The nearest larger city is Dover, about 48 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 Delmar?
Yes. Payday loans are legal in Delmar 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 Delmar?
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 Delmar?
No credit union is headquartered in Delmar, but Tidemark Federal Credit Union is based in Seaford, also in Sussex 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