- Payday loans in Millsboro 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 41 miles away.
Millsboro at a glance
| Millsboro | |
|---|---|
| Population (2024 Census estimate) | 7,864 |
| Change since 2020 | +13.3% (growing fast) |
| County | Sussex County |
| Size rank among 47 Delaware places we cover | 9th |
| Share of Delaware’s population | 0.7% |
| Nearest larger city | Dover (about 41 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sussex County | 2 |
| Other towns within 25 miles | 22 (about 65,425 residents) |
| Typical payday APR statewide (CRL 2023) | 639% |
Whether you borrow at a storefront in Dover or online from Millsboro, the lender must hold a Delaware license from the Delaware Office of the State Bank Commissioner and follow state limits.
Credit unions near Millsboro
No credit union has its main office in Millsboro, 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 Millsboro
Key Delaware limits that apply to Millsboro borrowers: 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 Millsboro
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
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Millsboro 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.
Towns near Millsboro
- Dagsboro · 5 mi
- Frankford · 6 mi
- Georgetown · 8 mi
- Millville · 10 mi
- Selbyville · 10 mi
- Ocean View · 12 mi
The nearest larger city is Dover, about 41 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 Millsboro?
Yes. Payday loans are legal in Millsboro 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 Millsboro?
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 Millsboro?
No credit union is headquartered in Millsboro, 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