- Payday loans in Houston 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 17 miles away.
Houston at a glance
| Houston | |
|---|---|
| Population (2024 Census estimate) | 404 |
| Change since 2020 | +3.9% (growing) |
| County | Kent County |
| Size rank among 47 Delaware places we cover | 41st |
| Nearest larger city | Dover (about 17 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Kent County | 3 |
| Other towns within 25 miles | 20 (about 104,988 residents) |
| Typical payday APR statewide (CRL 2023) | 639% |
Payday lending in Houston follows Delaware state law. Lenders that serve Houston, in a store or online, must be licensed by the Delaware Office of the State Bank Commissioner.
Credit unions near Houston
No credit union has its main office in Houston, 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))
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 Houston
The main Delaware rules for a payday loan in Houston: 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 Houston
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
- Call or text 211 for help with rent, utilities and food in Kent 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 Houston
The nearest larger city is Dover, about 17 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 Houston?
Yes. Payday loans are legal in Houston 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 Houston?
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 Houston?
No credit union is headquartered in Houston, 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