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Payday Loans in Delaware

Compare licensed lenders • Check DE regulations • Apply online

Last updated: June 2026

Max Loan
$1,000
Cities Covered
1
Legal Status
Legal
Population
989,948

Delaware Payday Loan Regulations

Max Loan Amount:$1,000
Max Term:60 days
Typical APR:521%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Delaware are regulated by the Office of State Bank Commissioner. Typical APR up to 521%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Delaware

Payday loans in Delaware are regulated by the Office of State Bank Commissioner. Typical APR up to 521%.

Delaware is located in the Northeast region of the United States with a population of 989,948.

Key Regulations:

  • Maximum APR: 521%
  • Maximum loan amount: $1,000
  • Maximum term: 60 days
  • Rollovers allowed
  • Regulated by Delaware Office of State Bank Commissioner

Regulatory Authority: Delaware Office of State Bank Commissioner
Official Website: https://banking.delaware.gov/

Representative Example APR in Delaware

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Delaware depend on lender pricing, term length, and state compliance limits.

Cities in Delaware

Wilmington

Pop: 70,898

View Lenders →
Browse all 1 city pages in Delaware
Wilmington

Frequently Asked Questions – Delaware

Are payday loans legal in Delaware?
Yes, payday loans are legal in Delaware. The state is regulated by the Delaware Office of State Bank Commissioner, which oversees all payday lenders. Payday loans in Delaware are regulated by the Office of State Bank Commissioner. Typical APR up to 521%.
What is the maximum payday loan amount in DE?
The maximum payday loan amount in Delaware is $1,000. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Delaware?
In Delaware, payday loans typically have a maximum term of 60 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in DE?
Payday loans in Delaware are regulated by the Office of State Bank Commissioner. Typical APR up to 521%.
How do I find licensed payday lenders in Delaware?
All payday lenders in Delaware must be licensed by the Delaware Office of State Bank Commissioner. You can verify a lender's license at https://banking.delaware.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in DE?
Most Delaware payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Delaware?
In Delaware, the maximum APR is 521%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in DE?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Delaware may change. Always verify current regulations with the Delaware Office of State Bank Commissioner before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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