- Payday loans in Ocean View 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 49 miles away.
Ocean View at a glance
| Ocean View | |
|---|---|
| Population (2024 Census estimate) | 3,023 |
| Change since 2020 | +13.5% (growing fast) |
| County | Sussex County |
| Size rank among 47 Delaware places we cover | 19th |
| Nearest larger city | Dover (about 49 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sussex County | 2 |
| Other towns within 25 miles | 14 (about 36,655 residents) |
| Typical payday APR statewide (CRL 2023) | 639% |
Payday lending in Ocean View follows Delaware state law. Lenders that serve Ocean View, in a store or online, must be licensed by the Delaware Office of the State Bank Commissioner.
Credit unions near Ocean View
No credit union has its main office in Ocean View, 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 Ocean View
The main Delaware rules for a payday loan in Ocean View: 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 Ocean View
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 Ocean View
- Millville · 1 mi
- Bethany Beach · 3 mi
- South Bethany · 3 mi
- Fenwick Island · 5 mi
- Frankford · 7 mi
- Selbyville · 7 mi
The nearest larger city is Dover, about 49 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 Ocean View?
Yes. Payday loans are legal in Ocean View 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 Ocean View?
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 Ocean View?
No credit union is headquartered in Ocean View, 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