- Payday loans in Georgetown 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.
- 1 credit union is headquartered in Georgetown; ask about small-dollar loans before borrowing.
Georgetown at a glance
| Georgetown | |
|---|---|
| Population (2024 Census estimate) | 8,098 |
| Change since 2020 | +12.6% (growing fast) |
| County | Sussex County |
| Size rank among 47 Delaware places we cover | 8th |
| Share of Delaware’s population | 0.8% |
| Nearest larger city | Dover (about 33 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Sussex County | 2 |
| Other towns within 25 miles | 26 (about 72,035 residents) |
| Typical payday APR statewide (CRL 2023) | 639% |
There is no separate Georgetown payday law: Delaware rules apply here, and any lender serving Georgetown residents, online or in person, needs a license from the Delaware Office of the State Bank Commissioner.
Credit unions in Georgetown
These credit unions have their main office in Georgetown, according to NCUA call report data (June 2026):
- Delaware State Police Federal Credit Union (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 Georgetown
In short, Delaware rules that cover Georgetown 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 Georgetown
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 Sussex County before you borrow
Before a payday loan, Georgetown residents can usually find something cheaper:
- Local assistance through 211 covering Sussex 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 Georgetown
The nearest larger city is Dover, about 33 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 Georgetown?
Yes. Payday loans are legal in Georgetown 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 Georgetown?
Delaware law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 639% in 2023.
Are there credit unions in Georgetown?
Yes. NCUA data lists 1 credit union with a main office in Georgetown, including Delaware State Police Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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