Payday loans in Delaware: what the law allows
Yes. Delaware allows payday loans up to $1,000, with a fee limit of No cap: rate as the loan agreement provides. Delaware allows car title loans.
Delaware
Payday loans
Allowed
Car title loans
Allowed
- Largest loan
- $1,000
- Fee limit
- No cap: rate as the loan agreement provides
- Renewals (rollovers)
- Allowed
“means a loan of $1,000 or less made to an individual borrower that charges interest and/or fees for which the stated repayment period is less than 60 days and is not secured by title to a motor vehicle.”
Delaware Office of the State Bank CommissionerLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
Before you borrow
A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.
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Common questions
Are payday loans legal in Delaware?
Yes. Delaware allows payday loans up to $1,000, with a fee limit of No cap: rate as the loan agreement provides.
Are car title loans legal in Delaware?
Delaware allows car title loans.
How do I check a lender's license in Delaware?
Look the lender up with Delaware Office of the State Bank Commissioner, which licenses lenders in Delaware.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.