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Current Payday Lenders in Delaware – Terms, Rates, Legislation

Payday loans are legal in the state of Delaware, according to 5 Del. C. §978, 5 Del. C. §2227 et seq. and 5 Del. C. §2744 of the Delaware Code.

Delaware residents can borrow money at both in-store locations and online platforms. There are also no credit check loans and same day loans in the state.

However, there are some payday lending laws and regulations in Delaware that limit the autonomy borrowers have when getting a loan. This was done to protect consumers from predatory lending and too high charges. Read how payday lending laws and regulations work in Delaware.

The list of payday loan lenders in Delaware

Honest Loans

HonestLoans is a safe and secure website that matches borrowers with direct lenders. It is a quite easy way to get the small loan, without having to go through the bank.

  • Personal loans from $200 to $50,000
  • Get your money in 24 hours
  • Online application takes no more than 5 minutes
  • No application fees


5KFunds is a 100% free personal loan comparison service that matches you with the best lender in their marketplace of over 100 legit lenders.

  • Loans from $500 – $35,000
  • APRs from 5.99%
  • Up to 72 months repayment
  • No minimum credit score requirement


Bad Credit Loans are a perfect way of getting money and financial help for those with poor credit scores. They provide a speedy source of instant cash to people who might be having money emergencies.

  • Apply for loans up to $10,000
  • No fees or obligations
  • Access to a large network of legit lenders
  • Bad credit history is OK

Personal Loans

Personal Loans is one of the lending platforms you can use to see what loans may be out there for your unique needs.

  • Loans from $1,000 – $35,000
  • Repayment terms from 6 – 72 months
  • Access to over 100 lenders
  • APRs from 5.99%


Upgrade loans are ideal for financing large purchases, debt consolidation, credit refinancing, home improvements, etc.

  • Personal loans up to $50,000
  • No prepayment penalties
  • Credit lines from $500 to $25,000
  • APRs of 8.24%-35.97% APR


MaxLend is an online tribal lender that offers small-dollar, short-term installment loans of up to $3,000.

  • Borrow up to $3,000
  • First-time customers can apply for up to $1,475
  • Loans are not available in all states
  • Poor credit welcome to apply


CashUSA offers you the safe, convenient and fast service you need to find the best personal loanin Delaware and other states that can work for you.

  • Loans between $500 – $10,000
  • Up to 72 months to repay
  • Interest rates 5.99 – 35.99%
  • All credit types accepted


LoansUnder36 is an online personal loan marketplace founded in 2012; this website matches borrowers with a large network of reliable lenders.

  • Loans with APRs under 36%
  • Loans from $500 to $35,000
  • Fast and easy approval process
  • No minimum credit score requirement


SecureSpeedyLoans offer fast loans online from a network of reputable lenders. Here you can borrow up to $5000 online.

  • Quick loans of up to $5,000
  • Repayments of up to 72 months
  • Bad credit welcomes to apply
  • Large network of legit lenders


OppLoans provides borrowers with any credit score a worthy alternative to payday lending through instant funding, significantly lower rates and complete transparency.

  • Fast funding
  • No credit checks involved
  • Refinancing options available
  • Loans repaid on time can help improve credit score

Cash Advance

CashAdvance was established in 1997 to offer consumers a quick, hassle-free, and secure method to borrow cash online.

  • Loans from $100 to $1,000
  • Large network of direct lenders
  • Repayment terms up to 12 months
  • Bad credit history is OK

ACE Cash Express

ACE Cash Express is a popular retailer of financial services, including payday loans, installment loans, car title loans, check cashing, bill payment, and more.

  • Installment loans from $100 to $2,000
  • Apply with no damage to your credit score
  • Apply online or instore across 850 branches
  • Easy and fast application process


MoneyKey is a direct online lender that was established in 2011 and gives borrowers with bad credit scores access to short-term personal loans.

  • Installment loans and lines of credit from $200 to $2,000
  • Fast funding, as soon as the same business day
  • Quick and easy online process
  • No early repayment penalties

What Are The Payday Lending Regulations In Delaware?

Delaware’s laws and legislations regarding payday loans are summarized in the table below:

Is Payday Lending Legal? Yes
Maximum Loan Amount $1000
Minimum Loan Amount Not specified
Maximum Loan Term 60 days
Minimum Loan Term Not specified
Interest Rate (APR) 521%
No. of Rollovers Allowed 4
Finance Charges No restrictions
Statute of Limitations 3 years since the last payment
Database Loan Tracking Yes

What is the maximum loan amount and term for payday loans in Delaware?

You cannot borrow more than $1000 in Delaware. You cannot take out additional loans until the previous one has been paid off. In Delaware, the minimum repayment term is 60 days and a lender cannot require the repayment before that term.

Also, four rollovers are allowed for every borrower on each loan, no more than five loans are allowed over a year.

Rates, fees and other charges in Delaware

There are no limitations with regard to APRs that payday lenders can charge in the state. The amount of the allowed finance charges has no limitations as well. This means that lenders in DE can charge any interest rates they consider suitable.

Lenders are allowed to charge interest on an annual, monthly, weekly, and even daily basis so long as it complies with the terms specified in the agreement.

In addition, lenders have the right to calculate interest, charge, and collect it so long as it complies with the terms specified in the agreement. Precomputed interest can be calculated on the belief that the borrower makes payments on time. A “year” mentioned in the agreement does not necessarily a calendar year, it may range between 360 and 366 days.

What are the eligibility criteria for payday loans in Delaware?

To qualify for a payday loan in Delaware, you must be a US citizen or permanent resident who is at least 18 years of age. You can get approved for a payday loan if you are employed, self-employed, pensioner, student and more provided that you have a source of income and make approximately $500 to $800 each month.

To be eligible, you also must have an active and personal checking account for the loan money to be sent to. Most payday loan providers will perform a credit check to find out the potential borrower’s financial status, but it is still possible to get a no credit check loan in Delaware, although this may entail higher interest or stricter repayment terms to compensate for the increased risk involved in the lending process.

Where can you get a payday loan in Delaware?

You can get a payday loan from any city in Delaware, both from in store locations or online. Popular locations include:

  • Afton
  • Bear
  • Brookside
  • Camden
  • Cheswold
  • Claymont
  • Clayton
  • Delmar
  • Dover
  • Edgemoor
  • Felton
  • Georgetown
  • Glasgow
  • Hockessin
  • Laurel
  • Lewes
  • Long Neck
  • Middletown
  • Millsboro
  • Milford
  • Newark
  • New Castle
  • Newport
  • North Star
  • Pike Creek Valley
  • Seaford
  • Selbyville
  • Smyrna
  • Townsend
  • Wilmington

Consumer information

  • Now, lenders are not required to perform a credit check in DE to determine a borrower’s ability to pay back a loan.
  • Before you apply for a payday loan, assess your financial situation carefully in order to avoid a debt trap.
  • According to Delaware law, a lender is allowed to charge one NSF collection fee not exceeding $25.
  • If the loan is not paid back, a lender can receive the loan amount plus attorney fees through the court trial.
  • No bank, lender or collector is allowed to pursue or threaten to pursue criminal action against a borrower in connection with the loan nonpayment.
  • It is prohibited to split the loan into 2 parts.


Delaware Office of the State Bank Commissioner

  • Address: 1110 Forrest Ave, Dover DE 19901
  • Phone: 302-739-4235 or 302-577-6722 (from New Castle County)
  • Fax: 302-739-3609 or 302-739-2356 (Licensing/Consumer Complaints Fax)
  • Website: